davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These hard inquiries dont belong to me, hasnt being autorized by me has to be removed. 

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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST CREDIT FINANCE (CA)

Subject : ID Theft Notification and Unauthorized Account Dear Credit First, I am writing to inform you that I am a victim of identity theft. My personal information was compromised, possibly due to a data breach from the California Highway Patrol. Consequently, a credit card account was opened in my name without my knowledge or consent. I have no association with this account and request that it be closed immediately. I also report to all Authority Agents regarding ID Theft. Please guide me through the necessary steps to resolve this issue and ensure my credit is protected. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (NJ)

I have asked several time to look into this account and provide account details. It is showing one negative month and no other information. Please provide payment history as to why this account is negative. Please provide at least two years of payment history including missed months and first day of delinquency. All you are providing is month closed not why this account is negative. 
XXXX - Account number - XXXXPayment history
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2024-10-13
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-14
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: First Federal Credit Control, Inc. (FL)

All of a sudden upon review of my credit score I see that I have an item in collections that I have never heard of before : FIRST FEDERAL CREDIT CONTROL Under dispute Account Info Account Name FIRST FEDERAL CREDIT CONTROL Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$230.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX
Consumer complaint received 2024-10-13
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. (IL)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-13
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-05-17
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)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (NC)

A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my XXXX credit report for {$61.00} from a collection agency named : SCA Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my XXXX credit report. I have request for this to be done, but SCA Collections refuses to delete this medical collection. I would like to have the CFPB to force SCA Collections to delete this medical collection as per the new law. Thank you.
Consumer complaint received 2021-10-06
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: OneMain Finance Corporation (SC)

On XX/XX/XXXX, my credit report was pulled by XXXX XXXXXXXX XXXX and this was not by my consent. 
I would never try to apply for any XXXX services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why XXXX is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- OneMain Financial has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 I purchased a toilet from the XXXX XXXX website XXXX. The cost of the toilet plus the delivery charge was {$130.00} and the charge was billed to my Capitalone Credit card with numbers ending in XXXX. 

The toilet I received from XXXX was different from the one I ordered and did not match the description, measurements, or photos. The toilet I ordered was supposed to be XXXX inches from the floor to the top of the bowl NOT INCLUDING THE SEAT. But in the photo I took, you will see that the toilet I received is 17.5 inches high and this is WITHOUT measuring the seat. Also, the toilet I ordered was supposed to be 33.5 inches from the floor to the top of the toilet tank. But you will see in the photo I took, the toilet I received is 32.5 inches from the floor to the top of the toilet tank. I did not catch the error until my plumber installed the toilet and I contacted XXXX XXXX to ask them for help in resolving their error of sending the wrong toilet. I asked for a refund or store credit but the company 's customer service agents disconnected me multiple times during the chat process and didn't return my email messages. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for the {$130.00} charge since I did not receive the item I ordered and paid for.
Consumer complaint received 2024-10-13
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. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-15
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)

i have wrong addresses in my report, i've never lived der. I've written the bureaus about a year now and they refuse to remove these addresses. i have a government job, and can't get promoted, if there is deception, or they fill i haven't been honest with them. I can't believe something so simple has cost me time money and effort, and still in my reports. I've written da governor, and lost what else i can do. I've never lived at XXXX XXXX XXXX, nor XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, ca. XXXX. Simple but has turned into a borad issues, where i live or do'nt live, who make de decicisions, a robot???
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX of XXXX 's XXXX XXXX I have a business account with Bank of America I had to open a XXXX of XXXX back in XXXX I contacted Bank of America letting them know that someone is watching my account and it was basically left on deaf ears there was a lot of money going into my business account none of the notifications were put on there letting me know how much money is being spent, then in XX/XX/XXXX I received a lawsuit from the some company that I have never done business with also they frozen my account that had XXXX which was in my account ending in XXXX, I knew something like this was gon na happen look what happen, but here what was going on your legal department kept sending out checks that of XXXX the reverse XXXX back into my account on XX/XX/XXXX then they sent me a check for XXXX for that I put back into my account with other credits I got which total XXXX dollars then that money went frozen now they ended up giving the credit XXXX and mind u my account had XXXX in it. Then I open my account in XXXX with Bank of America that ends in XXXX I then contact Bank of America due to my account falling below XXXX dollars so then my app was showing that all my money was in my account its not until I checked a couple days later it showed that my money was missing, most of the transactions was done online, I was able to get back some of the money but the 3 XXXX  XXXX purchases and the XXXX I didn't make that purchase Bank of America denial of my claim was due to me not opening up the claim when I saw it and I explained to them that it wasn't showing up for me, also my account ending in XXXX that was the account I was in trying to get that fixed and that's the account was I was focused on also that's it so also my account was showing hacked my account was showing that there was fraud, then following that I had to open up other claims that have been credited back but the other claims have been denied stating that there's no fraud, I will like my money back for claims.
Consumer complaint received 2024-10-13
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)

Dear : Experian I am writing to dispute certain inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ) and 605 ( c ). The information I believe to be incorrect is as follows : 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  According to the FCRA, I am requesting that you investigate this matter and remove the inaccurate information from my credit report within four business days of receiving this request. Enclosed, you will find copies of relevant documentation that support my claim. 

Please confirm in writing that you have received this dispute and inform me of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-10-13
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. (SC)

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE ACCOUNTS TO REMOVE XXXX XXXX XXXX XXXXXXXX {$260.00}
Consumer complaint received 2021-04-06
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. (TX)

The have sent letters to bureaus 2 times and I haven't receive a response. This crazy they can do this. Im not even being notified of the results of my disputes. It has been over 60 days and no response.
Consumer complaint received 2023-01-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-13
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. (TX)

Hello, I hope this message finds you well and in great spirits. 

I am writing to file a dispute regarding several accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX XXXXXXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX  ; Account # : XXXXXXXX XXXX XXXX ; Account # : XXXX I reviewed my Experian credit report on XX/XX/year>, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates ( 15 USC 1681e ( b ) ).

Per 15 USC 1681i, inaccurate or unverifiable information must be treated as follows : After any reinvestigation of disputed information by a consumer, if the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information as appropriate based on the reinvestigation results.

The agency must also notify the furnisher of that information that the information has been modified or deleted.

Additionally, under 15 USC 1681s-2, entities must not furnish any information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request an immediate investigation into these matters and appropriate corrective actions be taken to rectify the inaccuracies on my credit report. 

Thank you for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-01-29
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that 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.

Please delete the aforementioned accounts ASAP.

Thank you.