davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (TN)

XX/XX/XXXX, I submitted an online dispute with Experian regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified XXXX reported and shows that this account was Placed for collection:XXXX, Experian shows the account was opened XX/XX/XXXX and XXXX shows the account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX  The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

Theyre saying I deposited 2 different checks which I did not Ive been hacked and someone deposited them into my account through my mobile app then sent the money with XXXX to themselves then the checks was returned to whatever bank the checks was made from. Now theyre saying I owe them XXXX XXXX whenever Im not the one that did this.
Consumer complaint received 2021-12-09
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Name of company reporting information that do not belong to me and have inaccurate information... FCRA say the creditor must submit the same information to all credit Bureau however this information has different open date, payment status, last date of activity .. All are VIolations All information should be the same across all Credit Bureaus XXXX 

XXXX XXXX Account number XXXX XXXX XXXX Account NUmber XXXX In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions.

I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

Last year I bought a new car from a dealership around my area which took a lot of my personal since it was financed. Then few days or a few weeks later someone used my personal information to open 2 new credit card accounts which were not authorized by me. They applied and bought {$2000.00} or {$3000.00} worth of stuff using the credit cards including XXXX XXXX credit card and XXXX XXXX Credit card. I called XXXX XXXX  credit card customer care and told them the whole situation and they opened a case for me which was like a few months ago now but unfortunately, I have not heard back from them. They said they will mail the decision and the investigation report but they mailed nothing to me. I am trying to get information over the phone but they said you should have received it in the mail they can not help me with that. So now I am trying to get what happened since the account is still active and I am still receiving statement mails from them even though I told them that it was a fraudulent account.
Consumer complaint received 2022-04-25
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. (LA)

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. 
LOUISIANA CHILD SUPPORT, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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. (CA)

Request to Remove Inaccurate Personal Identifying informationDate : XX/XX/XXXX Name : XXXX XXXX XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Request to Remove Inaccurate Personal Identifying information Dear Sir/Madam, My only existing name is : XXXX XXXX XXXX My only existing phone number is : XXXX XXXX My only existing address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only existing employer is : XXXX XXXX XXXX XXXX remove all other names, name variants, phone numbers, addresses, and employers shown on my credit profile and credit report as Im concerned they may make me susceptible to identity theft. 


XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-12-09
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-04-25
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (NY)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-04-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

Follow up my email/letter dated XX/XX/2022, regarding to request to amend the unreasonable payoff charges. I havent received any response from Shellpoint. 

Due to the time essential, and my leader are still waiting for your amendment payoff letter to settle the final payment. I have paid off the {$3000.00} for the P/I payment on XX/XX/2022 first to avoid further interest. 

At your convenience, please contact me at XXXX XXXX XXXX my email : XXXX for the mortgage settlement as soon as possible. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.
Consumer complaint received 2022-04-25
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. (MS)

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX Account number : XXXX, XXXX Account Nunber : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2022-07-11
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. (IL)

Simple. Fraud credit card account was opened in my name at XXXX XXXX XXXX I got the account closed down. Now I have a hard inquiry on my credit report. I have called and called. They won't remove the hard inquiry on a fraudulent account. Frustrating.
Consumer complaint received 2022-04-25
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. (CA)

IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I applied and got approved for the XXXX XXXX XXXX with a one time bonus for {$200.00} upon spending {$500.00} within the first 90 days of account opening and a 1.5 % cashback. I made my purchases in the next couple days and when I logged in again on the website I did not see the XXXX XXXX bonus while another account showed up ( XXXX ). According to the CapitalOne Agent I called on XX/XX/XXXX, she confirmed that the activation actually brought up a card I approved years ago ( XXXX ), and I won't get the bonus but the other account that recently approved would be. Hence, I made another XXXX XXXX purchases but eventually I didn't get the {$200.00} bonus on that either. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX confirmed the bonus. When I called in again, CapitalOne denied it. Since their phone call is all recorded. Please tracking with the provided info. 

Case XXXX, Agent name XXXX, XX/XX/XXXX -- requested to invest on the phone call I made on XX/XX/XXXX which confirmed the bonus. 
Case XXXX, Agent name XXXX, XX/XX/XXXX -- illustrated the previous requested case number and rejected the adjustment and telling me the rejection was made on XXXX. 

I personally feel I was taken advantage of due to CapitalOne 's systematic issue. I have tried to straight this out for some time. In general, I am manipulated. I followed their instruction while they failed to redeem what they promised to do. As of now they are ruining my credit score.
Consumer complaint received 2022-04-25
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. (AZ)

In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX  AZ 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 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; 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 2023-05-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (TN)

I was a victim of fraud on XXXX Someone accessed my Truist bank credit card and took out 2 cash advances without my authorization. Since then I have made various phone calls to Truist fraud division plus many visits to their branches in Florida & Tennessee. I have been given credit for the {$1500.00} cash advance plus fees and interest on my credit card but the other cash Advance of {$1400.00} still remains on my card with a {$50.00} cash advance fee & interest charges monthly. Truist closed out my case and their Fraud division refuses to address this Cash advance problem. My credit card is now ending in last 4 of XXXX but the original card ended in XXXX.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, Fair Collection & out 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 2022-04-25
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 XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
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. (MS)

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX  , XXXX Account number : 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 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give 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 ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-25
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. (MS)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX