davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX  XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-03-20
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and are negatively impacting my credit score. I have reviewed my credit report and found several errors that need to be corrected immediately.

Firstly, there are two XXXX XXXX bankruptcies listed under my name, with case numbers XXXX and XXXX. However, these bankruptcies were dismissed and should have been removed from my credit report. Other credit bureaus have already removed these accounts, but they are still being reported on my report. I request that you remove these bankruptcies from my credit report as soon as possible. 

Furthermore, there are several credit inquiries on my report that I do not recognize and did not authorize. The cases with no case numbers, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have no relation to me, and I demand that they be removed from my credit report. 

Additionally, there are two accounts on my credit report that are listed as having a payment history but are actually charge-offs. These accounts are XXXX XXXX with account number XXXX and XXXX with account number XXXX. These accounts need to be deleted immediately from my credit report. 

I request that you investigate these errors and make the necessary corrections to my credit report. I would appreciate a prompt response and confirmation of the actions taken to correct these inaccuracies. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MN)

XXXX XXXX i placed a order throw XXXX  a sister company to affirm. when you place order through XXXX XXXX. it tracks your order and gives you a notification when the merchant sends out your order. in this case i never received my order notification of tracking number and all above. i contacted XXXX XXXX XXXX XXXX about this issue and they responded to contact the merchant .. unfortunately still to this day the merchant has been unresponsive. the merchant website has totally vanished. but yet i still have affirm telling me they need evidence i that never received my item. which quite surprising being that all orders are track using XXXX XXXX app. when orders are shipped out by the merchant. can someone please explain to me why haven't affirm tried reaching out to the merchant or have they heard anything from merchant? or something quite simple .being that XXXX XXXX company of affirm can simply track and investigate if my order was ever sent out. which it has not. i been happy customer of using affirm until now. this very disappointing me being a costumer spending XXXX XXXX XXXX using affirm app. this the way they there loyal customers. i even have to open orders with affirm that i been making the payments on. all payments are on pause until affirm properly investigate this matter. its there job to protect there customers from things like this happening. i also noticed a couple of billing errors on my affirm account. i will have my consumer attorney make sure none of my rights are or has been violated under the FCPRA. the order number # XXXX website XXXX
Consumer complaint received 2022-12-07
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: ID Analytics, Inc. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
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)

In XXXX I noticed I had inquiries that I didnt authorize on my credit report. I called transunion and they said I need to contact the creditor in which I did. They in turned sent me back to credit bureau. Please remove these inquiries off my credit they are not authorized and preventing me from purchasing a home. My identity was stolen in XXXX  and my credit is being pulled without notification please help me resolve this issue. I reported this on XX/XX/XXXX with only to get another letter from transunion saying verified
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/2021, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-31
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-09-29
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)

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct theinformation being reported. The 3 credit bureaus must validate these items in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified informationwithout providing any proof within the period allowed by law. The listed items need to investigate and correctfrom erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
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. (CA)

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 2024-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD, XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Document Date : XX/XX/XXXX CHEXSYSTEMS, INC Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT ( S ) DELETION LETTER OF IDENTITY THEFT & FRAUD To Whom It May Concern : I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems report. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT THEY WERE OPENED FRAUDULENTLY! IMMEDIATELY!. 
IF THESE ACCOUNTS ARE NOT DELETED I WILL SUE! 




FRAUD CHECKING ACCOUNT XXXX : XXXX XXXX XXXX  Account Number : RTN/ACCT # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 2 : Bank Checking Account : XXXX XXXX XXXX XXXX Account XXXX : RTN/ACCT # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 3 : Bank Checking Account : XXXX XXXX XXXX XXXX Account Number : XXXX # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 4 : Bank Checking Account : XXXX XXXX Account Number : RTN/ACCT XXXX : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 5 : Bank Checking Account : XXXX XXXX XXXX XXXX Account Number : RTN/ACCT XXXX XXXX XXXX XXXX XXXX delete it from my CHEXSYSTEMS REPORT PLEASE UPDATE MY CHEXSYSTEMS CONSUMER SCORE IMMEDIATELY AFTER THESE ACCOUNTS ARE DELETED!!!!!! 








Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-03
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. (NC)

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 EXPERIAN AND XXXX 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 : XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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. (MI)

This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX AURORA, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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. 

The listed items are erroneously placed in my file and I believe they are sorely mistaken
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The credit card was on auto pay, and Bank of America still processed a payment on the account, causing a credit balance of {$1100.00}. After a phone call, they indicated they would send the balance back to our payment account within 5 business days. This was not done. I referenced a legal requirement found that indicated that a financial institution would have seven days to provide a refund if requested in writing. I contacted BofA to obtain this address and was told they did not have a place to send these inquires. I told them this was contrary to the law and was met with silence.
Consumer complaint received 2023-04-03
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)

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 reports no consent is fraud.