davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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. (UT)

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

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}, which you claim I had been 30 days late, 60 days late and 90 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late, 60 days late and 90 days late with 150+ days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late and 60 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim which you claim I had been 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late and 60 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim which you claim I had been 30 days late. I am disputing these items are inaccurate.
Consumer complaint received 2022-07-13
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. (GA)

In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. XXXX, XXXX, and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2024-09-20
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. (TX)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I agreed to get credit with 24 months of no interest and after 12 months they are charging $ XXXX of interest plus the credit loan amount. The total credit loan was {$2700.00} approximately. 
I agreed to pay the amount in full not including the {$800.00} for late fee. They blocked me access for my online account and could not see the balance. In addition, I didn't receive any mailed letter and I was not aware of the situation until I see my credit report in bad condition and affected because of this. The credit loan was with synchrony XXXX XXXX XXXX bought in one of their partners.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Our Capital One credit cards ( both myself and my husband 's ) had a potential fraud charge. Capital One restricted both cards. We have always had just capital one ( which was a mistake ). We were travelling at the time XXXX ( XXXX ) and were left with no credit card. I requested that they overnight a new card to our hotel in XXXX since we had no way to get our hotel bill paid or to continue on our trip. They did overnight a new card which we used to check out of the hotel. When we went to the XXXX XXXX rental at the XXXX airport to rent a car the card was denied. When we called the representative they were requesting verification of identity that was impossible to provide when I was at XXXX Airport XXXXXXXX XXXX  rental counter. Once again we were paralyzed with no ability to rent a car, change our flight or check into another hotel. 
When we arrived home I sent them the necessary documents. My husband was a prosecutor and we have always had a po box as our mailing address for security reasons. They refused to accept the documentation since it did not have a residency address. I can not believe that certain customers don't have their home addresses on bills also because of security issues. You can find anyone on the internet these days and this is one way to keep your personal address private. 
Capital One 's unbending policies have lost them a customer of over 20 years.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 EXPERIAN BUSINESS CRED 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (PA)

i have a serve pre-paid card through american express which i got from XXXX XXXX when i filed my taxes and my refund was loaded onto the card. today i received an email saying my account has been suspended/locked due to fraudulent activity. the reason why is because XXXX XXXX XXXX store wants to give me back a refund of {$1700.00} and the serve team stopped the refund and i can not access my account i can not use the card at all. i have XXXX XXXX and have no money i have over {$500.00} on the card currently and can't get access to my money. i called the company they said they will mail me a check for the balance i had on my card to my address i no longer live at and they also said they can not update my new address because my account is locked and no longer active. i also have i {$1700.00} refund along with a few other deposits coming to that account number which i will never get because the card no longer works. i have XXXX XXXX and i need my {$2000.00} dollars that is mine and i worked for i do not have a single XXXX to feed my children and no credit to get a loan i need help ASAP. please call XXXX or my cell XXXX.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I provided the reasons for disputing the information. I have enclosed it again fraud accounts and inquiries Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  ( XXXX  ) to seek their assistance in resolving this issue.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously reported to Equifax on XX/XX/XXXX. Despite my initial contact, Equifax has not responded to address the following issues. Please assist me in resolving these discrepancies and ensuring compliance with federal law. 

( XXXX XXXX, Date Opened : XXXX XXXX, XXXX I disagree with the reported balance of {$420.00} for the XXXX XXXX account as I recall the amount being lower. I request Equifax to delete the information regarding the past due amount, as this account is closed and charged-off. To safeguard the accuracy of my credit score, I urge Equifax to mark this account as disputed. ) ( XXXX, Date Opened : XX/XX/XXXX, The reported balance of {$3700.00} for the XXXX account is incorrect and has caused significant harm to my credit reputation. I remember the balance being lower. I request Equifax to review and revise the past due information since it is inaccurate to present a past due amount for a closed and charged-off account. This erroneous reporting has likely contributed to a decline in my credit score. Consequently, I need to reach an agreement with my creditor to rectify the incorrect data. I ask Equifax to mark this account as disputed to prevent further negative impact on my credit score. ) ( XXXX XXXX XXXX, Date Opened : XXXX XXXX, XXXX, The information presented on the XXXX XXXX XXXXXXXX account requires investigation. While I am aware that the original creditor is XXXXXXXX XXXX, I have not received any communication from XXXXXXXX XXXX XXXX. The reported balance of {$520.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower balance. Due to these inaccuracies, I dispute the entire account and insist that Equifax verify the following dates : Date Opened and Date of First Delinquency. ) ( XXXX XXXX, Date Opened : XXXX XXXX, XXXX, The reported balance of {$10000.00} for the XXXX XXXX account is incorrect and has caused significant harm to my credit reputation. The balance provided does not correspond to the lower amount that I recall. I request Equifax to review and revise the past due information, as it is inaccurate to present a past due amount for a closed and charged-off account. This erroneous reporting has likely contributed to a decline in my credit score. Consequently, I need to reach an agreement with my creditor to rectify the incorrect data. I ask Equifax to mark this account as disputed to prevent further negative impact on my credit score. )
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (VA)

I have mailed each bureau 7 letters and made approx. 24 phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a US citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.
Consumer complaint received 2022-07-13
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)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$46.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX
Consumer complaint received 2024-09-20
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. (FL)

The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my TransUnion, XXXX, and XXXX credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : TRANSUNION : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion XXXX and XXXX credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.