davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This complaint is about Capital One, not a credit reporting agency. I applied for a business credit card for my small business in early XXXX. Capital One used my personal credit information to adjudge whether or not I should be given the card, which is fine. I checked my credit score before applying on Capital One 's own website ( as well as XXXX XXXX and Bank XXXX XXXX ) and it was XXXX before I applied, and after the most recent monthly update of XX/XX/XXXX. Unbelievably, I was denied the card due to what Capital One claimed was " number of delinquent past or present credit obligations ''. I immediately knew this was not accurate ( an XXXX XXXX XXXX is not possible with delinquent accounts firstly ) as I do not have, and have never had, a delinquent account. I asked Capital One for an explanation and they said " ask XXXX ''. So I pulled my XXXX report and as expected there were no past or present delinquent accounts on my report. XXXX confirmed there were none reported as well. I contacted Capital One and asked to escalate my complaint, indicating that I had the credit report they claimed to have used and it did not indicate the problem they said existed. I insisted that I speak to the person, or people, who made this decision. Capital One said I could not talk to the department involved. I again explained I had evidence of incorrect information being used to decline my application, but they refused to provide any possible way to address the problem. Further, they refused to give me an email address so I could communicate my complaint in writing. I did mail them a letter and they responded on XXXX XXXX giving me the exact same phone number to call that I had already exhausted. A circuitous stonewall with no definable outcome available. This is not how this is supposed to work. Capital One should not be able to decline my application based on made-up information, then refuse to give me a means to dispute it. Further, I am not sure how it is even ethical to reject someone with an XXXX XXXXredit scorXXXX ( it has now gone down due to Capital One 's inquiry of course ). I have attached the declination letter from Capital One, my XXXX credit report clearly showing zero delinquent accounts and a screenshot of my credit score history from the Captial One CreditWise page that shows my score at XXXX last month when I applied, as well as B of A score at XXXX at the end of XXXX and XXXX XXXX in XXXX at XXXX.
Consumer complaint received 2022-12-12
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-02
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. (SC)

XXXX XXXX  last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on Experian and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, Experian shows XXXX and XXXX shows XXXX. The date of last payment is XXXX on XXXX and XXXX.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX accordance with the Fair Credit Reporting act 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 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited XXXX  days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.
Consumer complaint received 2021-01-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of wrong individuals.
Consumer complaint received 2022-07-28
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. (FL)

While checking my credit report, I notice an account from XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Ive been asking for my payments to be refunded for the last 8months. My loan balance increased which was also shown on my credit report but I never received my payments back. Ive contacted XXXX XXXX ( I made my payment through XXXX ) and they said they processed it for me about 2 months ago and its still processing but according to my credit report I was refunded in XXXX by fed loan servicing. My loans were sent to fed loan which are now being transferred to XXXX. No one has any answers for me who can I contact? The money was also added to my loan account balance so its showing I was refunded on my account and credit report.
Consumer complaint received 2021-09-22
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. (MI)

Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

THEY CORRECTED THE PROBLEM. 
I BELIEVE THIS WAS NOT AN HONEST MISTAKE. 
REFERRING TO XXXX - XXXX,. 
THE AMOUNT WAS PLACED INTO MY CHECKING ACCOUNT. 
EVERYTHING I WROTE IN XXXX - XXXX IS FACT. 
I NEED NOT BE SPECIFIC AS TO WHY I BELIEVE THIS WAS NOT AN HONEST MISTAKE..
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (CA)

I received a call from Account Receivables Technologies in XXXX of 2018. They claimed I owed a debit they purchased from XXXX XXXX. I was, and am still unaware of the specifics regarding the alleged debt I owed. I requested in writing that the company verify the debt. Ive attached a copy of the first letter I sent to the company in XX/XX/2018. I also called and requested they verify the debt. My inquiries were ignored. They continued to call me and refused to verify the debt or send me any written correspondence. I just recently contacted them and they informed me that they could no longer answer my questions and to contact the original lender. Im in the dark and my credit is ruined by this unverified debt. 

The alleged debt they are unwilling to verify was reported to XXXX XXXX XXXX. Thus negatively impacting my credit. The alleged debt is also being reported as new debt. Im asking that the unverified information be removed from my credit report.
Consumer complaint received 2021-01-29
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. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX THESE HARD INQUIRIES WERE PUT ON MY TRANSUNION REPORT WITHOUT MY CONSENT ...
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (CA)

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX with Mechanics Bank who financed the vehicle. From the very beginning, the car had major problems that I was unaware of and could not have known. In the first week after purchasing the car I was forced to return it back to XXXX XXXX while driving it the warning light came on " XXXX XXXX  '' the air suspension went out and the car lowered to an unsafe distance from the ground. XXXX XXXX XXXX sent the car out for repairs, however, two weeks after the repairs, the car lowered again to an unsafe distance to the ground. I had it towed to my local XXXX dealer, XXXX XXXX XXXX. When the tow truck arrived he was unable to line up the towlines on the front bumper, which appeared to be replaced and put on incorrectly. After the car was towed I reviewed the XXXX, though it had no accidents reported, there appeared to be a lot of work done on the car. As I called each company that had did repairs, this became a horror show, which each company stating that the car was not safe to drive, both bumpers had been painted over which rendered the sensors located in them useless. The previous technicians indicated that the car had been in an accident and appeared to be salvage. XXXX XXXX insisted I purchase an extended warranty which I did, however, I refused to use it to make repairs, as I felt they were preexisitiing and they would be made on my dime. I canceled the warranty in XX/XX/XXXX, however, the dealership held on to it until XX/XX/XXXX, after receiving the letter from my attorney they turned over the XXXX to Mechanics Bank. 
My complaint is against Mechanics Bank, as my attorney is dealing with XXXX XXXX XXXX. To finance this car for XXXX minus my down payment, a car salvaged not worth more than {$1500.00} at best, did not hold up to their financial obligations according to the FDIC. In addition, my car payments were misapplied I made my first payment to Mechanics bank and principal payment, however, the principal payment I requested was made to pay Mechanics Bank interest. As a consumer Mechanics Bank had a duty to protect their interest along with mine, which leads me to believe this fraud was done in concert between the two parties.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, my credit score is dropping suddenly without any reasons! Ive pay my credit card on time and set up automatic payments! They have never mentioned that why my score is dropping!
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

n accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-11
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I disputed this item 2 twice once back in XXXX a second time in XXXX with XXXX  XXXX/Bank CC 'd, Equifax claims that the item is legit ... ... However I also directly emailed XXXX  XXXX  on XX/XX/XXXX of this year. I received a letter in the mail stating the item will be removed, which indicates Equifax DID NOT verify the item with the furnisher. ( See attached. ) The hard inquiry from XX/XX/2020 SHOULD BE REMOVED.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-12-12
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. (NY)

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 2021-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY (GA)

Heres what transpired, funding was obtained on my credit card to build this business through XXXX XXXX and they were only accepting payments through wire transfer. A law firm, escrowed funds for me and charged me for this service. I sent XXXX XXXX a wire transfer & they went out of business and didnt fulfill any of their services/products. American Express sent me a court summons. 
Again, XXXX XXXX told us they only accept wire transfer. We went through a law firm to escrow the funds. We sent them a wire transfer and they didnt do their jobs. XXXX XXXX did wire fraud which is a felony. I have all the proof : from all the other complaints, XXXX  website, filed a complaint with the XXXX Attorney Generals Office ( online ), filed a police report & the FTC ( Federal Trade Commission ) coming after them.