davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (DC)

I have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which Equifax and XXXX did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.
Consumer complaint received 2022-08-21
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. (TN)

I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but XXXX and Experian have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.
Consumer complaint received 2022-04-08
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$750000.00}, XXXX XXXX XXXX XXXX Balance : {$740000.00}, XXXX XXXX XXXX Balance : {$34000.00}.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-11-28
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. (FL)

am a XXXXXXXX XXXX who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.
Consumer complaint received 2021-06-11
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. (GA)

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.
Consumer complaint received 2023-11-28
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF XXXX XXXX {$120000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX
Consumer complaint received 2023-06-22
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. (TX)

Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX FOR XXXX XXXX date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX - XXXX date : XX/XX/2023 XXXX. XXXX OF XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - XXXX date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. TEXAS XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX CO - Inquiry date : XX/XX/2023 I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2022-05-16
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)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged to the following items listed below that are showing on my credit report. I therefore request that you immediately remove/ block these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-08
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: JPMORGAN CHASE & CO. (TX)

I disputed an item with JPMCB through the CFPB ( consumer financial protection bureau ) in XXXX XXXX, and the company stated the investigation was closed and the company stated the results would remain. I am providing documentation to support my claim.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-04-08
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. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XXXX, 2023 at XXXX PST I called citi bank credit card to see if they would increase my credit limit back to the original credit limit that was extend it to me, and I agreed upon when the card was issued. The first representative that I spoke to advised to me that she would put the request through, but I could not know anything, and the request wouldnt go through until I received a letter in the mail, telling me that they lowered my credit. But I advised her that I had already received this through an email and also electronically because I elected to have electronic notifications. She still would not process the request so I asked for a supervisor. Then a supervisor by the name of XXXX with an ID of XXXX was placed on the phone because I requested one. When this representative gets on the line, I explain to the representative that I would like to request that my limit be increase back to the original amount. In return the supervisor begins to read to me a letter that they sent out that I had already advised that I received electronically. I kept trying to advise to the supervisor that I was just trying to put in a request to have the line increase. And then after I do that, I ask them how long would it take for me to get an answer back from citi : The supervisor advised me that yes he could put the request through today. And yes I could get an answer today. But he also said he was not doing that and then he proceeds to speak over me. I explain to him that I would like to speak to his supervisor. He does not put a supervisor on the phone. He just keeps trying to read me the letter that Ive already explain to him that I already have. And he keeps trying to read things over and over again and basically over talking me not letting me speak at all not listening to me at all just reading, random things and not allowing me to speak. This conversation was recorded and by the times that it was about a 35 minute call altogether. And my request was still not fulfilled. Based off of an adverse reaction that was taken by the bank.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

I CALLED EQUAFAX MANY MONTHS AGO BECAUSE THEY WILL NOT ALLOW ME TO SEE MY UPDATED CREDIT SCORE AND REPORT THEY STILL HAVE IT ON MY EQUAFAX REPORT AND I WANT THIS " INTERNAL BLOCK '' REMOVED IMMEDIATELY. 
THERE IS NO NEED OR WANT FOR THE INTERNAL BLOCK. EQUAFAX HAS NO ALERTS ON MY CREDIT REPORT NOR DO I WANT ANY ALERTS ON MY CREDIT REPORT AT THIS TIME. FOR ANYTHING RIGHT NOW AND I WANT THIS BLOCKAGE REMOVED ENCLOSED ATTATCHED IS PROOF OF ADDRESS AND MY SOCIAL SECURITY CARD NUMBER, WHICH IS PLENTY OF PROOF OF IDENTITY. THEY HAVE BEEN LESS THAN COOPERATIVE ABOUT THIS AND IM GETTING SICK AND TIRED OF THERE STALL TACTICS. CONSUMERS HAVE A RIGHT TO HAVE REPORTING ACCURATLY ON THERE CREDIT REPORTS UNDER 15 U.S.C 1681 I HAVE THE RIGHT TO HAVE THIS REMOVED EQUAFAX HAS ALL VERIFIATION OF MY IDENTITY ALREADY UNDER THE PROOF OF IDENTITY LIST ON THERE OWN WEBSITE EQUAFAX IS VIOLATING MY RIGHTS AND I WILL CONTINUE WITH AN ATTORNEY IF NEED BE. REMOVE THE INTERNAL BLOCK THAT YOU HAVE ON MY CREDIT REPORT AND ALLOW ME TO SEE MY REAL SCORE BECAUSE I KNOW MY SCORE IS NOT A XXXX. STOP THE STALL TACTICS
Consumer complaint received 2023-03-22
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. (MA)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2023-01-18
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. (FL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my SiGNATURE on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

Account Number XXXX Thank You,
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX TransUnion XXXX RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Consumer complaint received 2023-03-22
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. (CT)

My name is XXXX XXXX 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 reports no consent is fraud.
Consumer complaint received 2023-03-22
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

I attempted to Purchase clothes and shoes from an individual for {$100.00}. They made me pay them on CashApp and once I did. The threatened me and forcible removed me from their home. XXXX Police stated it was a XXXX and Cashapp refused to refund my money.