davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was online at the XXXX XXXX website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransunionFile # XXXXDate XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address is a office address and is not my address nor have I ever rented lease or own at this address. Error of bad address that's by Transunion.
Consumer complaint received 2024-01-17
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. (VA)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I was looking at my credit report and was sent into a deep depression when I saw negative accounts and inquiries being wrongly reported on my credit report. This depression is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act the following companies 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. Account name XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXXXXXX Company Account XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account number XXXX Account XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account Number XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

You violated my rights under the fair credit reporting act 15 USC 1681 section 602 A I have the right to privacy 15 USC 1681 A section a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose USC1681 section 604 A section 2 a consumer reporting agency can not furnish an account without written instructions .remove these late payments and update immediately
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion File # XXXXXX/XX/2018XXXX XXXX XXXX XXXX XXXX CA, XXXX has no unit number and is not no address and Transunion has showing on my credit report address that is in error. correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Transunion has address that is not my address correct. Transunion runs multiple address of the same address over and over. This address was in 4 different ways in a address.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Re : XXXX Account number : XXXX In regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative 5x in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

Date of issue : XXXX XXXX Amount : {$540.00} I contacted chime for a month about an unauthorized transaction. I provided them with all the necessary documents they requested. I followed up everyday. No help once so ever. I told them that I wouldnt be able to get my fianc to work or myself. Rent would be late so I would more than likely face eviction. I got nowhere w CHIME so I contacted my local news station. He contacted chime on my behalf. They all of a sudden found the error, refunded my money but it was too late. I couldnt get to work or my fianc bc of the transaction. Chime was very rude and did not care or try to help. They informed me that I needed to basically do my own investigation to find out what happened. If this can not be resolved I will be suing for monetary damage, along w emotional distress. I got behind on rent bc we lost our jobs. I have XXXX small children.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (GA)

Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus EQUIFAX, XXXX, XXXX XXXX a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX  and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I have sent out a dispute letter with certified tracking trying to make thing right as I am a victim of consumer law violations. Experian started an investigation on my disputes and completed them in less than a week which makes me believe no investigation was actually done. THEY ALSO DID NOT PROVIDE THE DOCUMENTS validating 100 % accuracy. I can provide dispute letter, Experian 's so called results and information supporting my claims. My personal information is still inaccurate, I should only have 1 name and 1 address listed on my credit file. Why are there multiple names and address if accounts were investigated for 100 % accuracy please explain?
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I had a credit card XXXX XXXX  XXXX ending in XXXX yhere unauthorized charges placed on this card. I did everything I was supposed to do with this credit card and the service rep for XXXX XXXX  gave me wrong information. XXXX XXXX  said that I was still responsible because my XXXX XXXX XXXX son got a hold of my credit card and purchased a bunch of online games. Under Federal law it states that I am not responsible for these charges. So now the credit reporting companies are publishing wrong information on my credit reports. I have explained to these companies numerous times about this and they continue to post this fraudulent account information. ( XXXX XXXX XXXX ) & XXXX XXXX  XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. 

Details of the Inaccuracy : Inaccuracy : Both Experian and XXXX are reporting a bankruptcy on my credit report that does not belong to me. 
Explanation : Upon reviewing my credit report, I discovered that Experian and XXXX are inaccurately reporting a bankruptcy that is not associated with my financial history. I have never filed for bankruptcy, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. 

Steps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted Experian and XXXX : I have contacted both Experian and XXXX to dispute the inaccurate information through their dispute resolution processes. 
Documentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. 
Despite my efforts, the inaccurate bankruptcy information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel Experian and XXXX to correct the inaccurate reporting on my credit reports. 

Enclosed with this complaint, supporting documentation that may aid in your investigation. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit reports.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Monday, XX/XX/XXXX, I deposited a check at the local Huntington bank branch for {$2900.00}. I asked the bank how long it would take the check to clear and the bank advised it takes about 2-3 days for a check to clear. 
On the morning of XX/XX/XXXX ( Wednesday ), I called the local bank branch where I deposited the check to confirm that the check has cleared. The bank branch transferred me to the banks customer service and a customer service agent confirmed the check cleared and the money could be used. After this confirmation, I used the money for the intended purpose. 
On Thursday, XX/XX/XXXX, I found out that the check has returned because of insufficient funds. 
I went to the bank to understand why this happened after their customer service representative ( CSR ) confirmed that the check has cleared. They kept on saying that the check returned due to insufficient funds and they can not do anything. They also said that since the CSR told me the check cleared I should talk to them to find out what happened and resolve it through them. 
I called Huntingtons Customer Service on the morning of Friday, XX/XX/XXXX, and talked to a CSR first and then to a manager. I explained the whole situation to them and asked for an explanation and resolution of this issue. I wanted to understand why the check returned after the CSR said the check has cleared. The manager could not provide a clear explanation as to why this happened. He said that the CSR may not have the recent most information and that the information from their check clearing ( returned check ) department may not have been available to the CSR. He said that they will take this feedback to improve their system to prevent this but unfortunately can not pay me the lost money. 
I lost my money due to the wrong information provided by the CSR and now Huntington Bank is not ready to take responsibility for it.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant XXXX  it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used
Consumer complaint received 2024-01-17
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 have fraudulent accountS on my credit report, which I reported to XXXX XXXX  and XXXX  XXXX XXXX, yet they are not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I asked the Credit Bureaus to a proper verification of my credit report ; in reference to a dispute of some problems I was having with some creditors. They concluded that every thing was verified. Upon further research conducted by myself I found inaccuracies involving my credit report even they conducted their through research. This information can be found in all three credit Bureaus reports previously filed to your in my last CFPB complaint filed under # XXXX, XXXX, XXXX. The dates, amounts owed and statue of terms of the debts are of question. also. 
. 
In accordance to the fair credit reporting act convergent the above Bureaus/Creditors has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section States 602 A Section 2 ; also states a consumer reporting agency can not furnish a account without written permission.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP (GA)

Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have called Experian and XXXX XXXX to dispute the late payments on file as they are inaccurate. I have mailed out letters trying to dispute this inaccurate information as it is holding me back when it comes to purchasing major items. Experian keeps telling me that the information provided by XXXX XXXX is correct and has not shown me proof. I have submitted proof of payment and still to no avail they have not removed it from my credit profile. I am trying to purchase property and this is really hindering me from doing so I am asking CFPB to look into this and I will also be providing you proof of payment.