davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I paid the XXXX XXXX account off they are reporting it on my credit report as charged off and have delinquent payments on it have asked them to please provide me the information they never have gotten with all three credit bureaur just to find out that they will not delete this from my credit report the address is wrong also on this account they have an address I never lived at please have them delete this today here 's a copy of an old credit report that shows that I only owe {$30.00} in XX/XX/2020 and then it was paid off in XX/XX/2020 here 's another copy of the credit report how can they put that it was charged off
Consumer complaint received 2023-10-20
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. (HI)

I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : The XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account XXXX : XXXX XXXX Account XXXX : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

The account that I have disputed was closed and charged off a few years ago. However, the credit bureau is still reporting as if it is still a open account and in negative standing. This needs to be removed and stopped. This was 4 to 5 years ago XXXX XXXX XXXXs being allowed to negatively affect my credit history at all XXXX bureaus
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 2023-10-20
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. (AL)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX : $ Account Number : XXXX Party Owed : XXXX XXXX XXXX : $ Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : $ Account Number : XXXX XXXX Owed : XXXX XXXX XXXX XXXX : $ Account Number : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDGELENT AND I REQUESTING THAT IT BE REMOVED FROM MY CREDIT FILE XXXX IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item ( XXXX ) to be Deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Consumer complaint received 2023-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I received a Copy B of a 1099-C form from Nelnet on behalf of a private student loan with their company Firstmark Servicers LLC XXXX XX/XX/2023. This form indicates : " You received this form because a Federal Government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. '' The debt obligation has been discharged, however, this has not reflected on my account with them and they have continued to send me communications stating repayment status has initiated.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a utility account XXXX with a balance of {$430.00}. As well as the address XXXX XXXX XXXX XXXX NY XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-20
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. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit.

The accounts in question are as follows : XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX  XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} Additionally, I would like to address the following inquiries associated with my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-19
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. (NV)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name 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 an account without my written instructions.
Consumer complaint received 2023-10-20
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. (NE)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WY)

This month I got 5 overdrafts fee for a total of XXXX, when the amounts covered was XXXX . We are talking about 35 % profit for you. I fully understand and appreciate that you cover some of the automatic transaction, but when the covered transaction is bigger than XXXX the bank return it even when is an automatic monthly transaction, but for smaller amounts for streaming services and memberships the banks never returns. For example my gym is XXXX XXXX per month but wells dark charged XXXX, XXXX is XXXX XXXX  per month but the overdraft is XXXX . There is a systematic patter here of picking and arranging small amount transactions that represents a big profit for the bank in overdraft fees or am I wrong?. 
Im not sure how to interprtate the XXXX or XXXX XXXX  check ..I dont remember, that you sent me months ago because I qualified for overdraft adjustment
Consumer complaint received 2023-10-19
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. (AZ)

15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XX/XX/XXXXXXXX ACCOUNT
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am writing to formally dispute several significant mistakes and discrepancies found on my credit report, which was recently obtained from your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information being reported by your agency. 

Upon careful review of the credit report, I have identified the following errors and inaccuracies : -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMEX XXXX, AMEX XXXX, AMEX XXXX, AMEX XXXX
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (FL)

Bay Area Credit Service has failed to provide me with any real proof the debt belongs to me. They do not have any signature of mine binding me to any type of contractual agreement to pay them. Further more they have violated the Hippa Law by providing me with diagnosis, procedures and charges via mail that is not pertaining to me. I want this debt closed and removed immediately.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I filed a dispute with XXXX on XX/XX/XXXX advising that I received a letter from Bank of America, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.
Consumer complaint received 2023-10-21
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)

I received a copy of my credit report. To my surprise, you are reporting this accounts incorrectly. Those collection are not mine, but also shows a past due balance, there are account, credit cards and a lo more. 

_ According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Sincerely,