davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IN)

My Discover card was taken by my boyfriend and completely maxed out. I never authorized him to use my card. When I found out about the charges I called discover and disputed them. They told me they would take care of everything and get back to me within 30 days. I filled out all the forms they sent me and they asked for a police report. So I filed the report. The investigation came back as me owing the money with the explanation of frequent vendors. I disputed again and send screen shots of my ex saying he would make the money right. They would not reopen the investigation even though I gave them proof. The failed the watch the cameras that would also prove him using my card. Now I'm stuck with {$3800.00} dollars and a 29 percent interest rate..
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : 1. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} 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
Consumer complaint received 2024-11-01
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 have been a victim of identity theft, and my personal information was used without my consent, leading to items appearing on my credit report that I was never involved with. Following instructions from Equifax, I filed a report with the FTC and submitted it, yet these fraudulent items still remain on my report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I noticed that XXXX purchases had been placed on my Chase Bank account for the prices of {$990.00} and {$2600.00} paid to " XXXX XXXX '' and " XXXX XXXX '' respectively. I had never made these purchases, nor had I ever heard of the business the payments were made to. I immediately contacted my bank and was told that a telephone transfer had occurred on XX/XX/2021, in order to transfer {$5000.00} from XXXX of my accounts to the other, then these XXXX purchases were made immediately after. I informed the bank that I had not made these purchases, I was told they would give me back my money and I changed my account and password information and got a new Debit card. 
Believing the situation had been resolved, I didn't think any more about it. A few days later, the money was placed back into my account. I thought it was over. Today, XX/XX/2021, I awoke to find that the money had been removed from my account once again. I found out that my fraud claim had been reversed and the bank had decided that these charges were authorized. I never authorized these charges, I still don't even know what the company who charged me does or makes, and I was told there was nothing Chase could do about it because whoever made the phone call to transfer the money was authorized through their automated system. I do not know how this is possible, who called the bank, or how they knew enough of my information to convince the bank they were me. I am attaching to this report the statement made by Chase bank claiming they determined these charges to be authorized, despite them not having been authorized by myself.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a credit card account with Capital One. I took a cash advance from my credit card for {$36.00} on XX/XX/XXXX of last year. I've been making monthly payments since then but I just noticed on my statement that I was charged interest for a cash advance. I didn't realize there was still a cash advance balance on my account so I called in to get the fee waived only to find out that I've been charged more than {$500.00} in interest for the original transaction of {$36.00}. I've repaid the cash advance more than 10 times over during that period, as my account is in good standing. What I have a problem with is the fact that the interest accumulation is COMPLETELY HIDDEN! I read my account statements every month and there's never a mention of a cash advance balance. I spoke to a few different representatives and they confirmed that there's really no way for customers to see this activity ; it doesn't show up on the monthly statement and you can't view it on the app. I recall exactly one VISIBLE interest charge for this cash advance I took a year ago ( {$10.00} on XX/XX/XXXX ). They gave me some weak excuse about payment allocation, which, to speak frankly, comes off as a cheap ploy to get people to put money towards the lower interest rate while the significantly higher interest accrues in a separate account that we're never reminded of. If I had overlooked this interest charge and failed to call in to inquiry about this, I would've ended up paying thousands of dollars in interest on a growing balance that's not accessible to me. If interest is charged daily on cash advances as I found out not too long ago from a representative, then its absolutely repulsive that customers don't get access to the activity in these accounts in monthly statements or online. Here I was thinking I paid off my cash advance only to find out a year later that they've been charging me interest that they never report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NY)

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Has reported a collection on my XXXX report No recollection or knowledge or contractual agreement ever conducted with this company
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-09
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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have done an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -The status of the Portfolio Recovery account is being reported as open XXXX report and being reported as a delinquent or seriously past due and others- please remove this from my credit report immediately It is my belief that the collection company has willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report -The status of the XXXX XXXX AND XXXX account is being reported as open through XXXX
Consumer complaint received 2024-10-23
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This complaint is being filed to escalate the unresolved issues from Complaint # 2 regarding XXXX XXXX continued negligent reporting of a fraudulent account, despite having been informed of the fraud and deletion in Complaint # 1. Additional evidence uncovered during my investigation shows re-aging and XXXX failure to update my credit reports in line with the fraud confirmed by XXXX XXXX XXXX. 

Key Issues : 1. Re-aging of the Account : After further investigation, the XX/XX/XXXX XXXX credit report ( attached ) shows that re-aging has occurred, with late payments, delinquency entries, and charge-offs extending into XXXX and XXXX, despite the accounts original charge-off in XX/XX/XXXX. 

XXXX response to Complaint # 1 incorrectly asserted there was no re-aging, which this report directly contradicts. 



2. Failure to Act After Being Informed of Midlands Deletion : XXXXXXXX XXXX was informed in Complaint # 1 that XXXX XXXX XXXX deleted the account in XX/XX/XXXX, and they were provided proof of this deletion in Complaint # 2. However, they have failed to act on this information and have continued to report the account as delinquent, causing ongoing financial harm. 



3. Negligence in Addressing Key Evidence : XXXX failure to address critical evidence in their response, including the FTC Identity Theft Reports and my hospice certification, shows a pattern of negligence in their investigation process. 

Despite being presented with this evidence in Complaint # 2, the account continues to report inaccurately, causing ongoing harm.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I've noticed a fraudulent charge in my credit card account for {$720.00} in which I had no clue about. I've reported fraudulent activity to my account and ordered the new card I've opened a dispute case with Capital One but after few days they have recharged my account and close the case without providing any reason I've also ask for the documents in which they had their decision based of buy they have refused to provide me anything.The charge is not mine and I should not be liable to pay that amount
Consumer complaint received 2024-10-28
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. (FL)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : Trans Union Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC Code 1681i ( 5 ) Treatment o inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item or the information is found to be inaccurate or incomplete or can not by verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX. XXXX XXXX XXXX - The personal information is incorrect -please remove this from my credit report immediately Accounts : XXXX. ( XXXX XXXX  ) /XXXX  XXXX XXXX XXXX XXXX This account is being reported inaccurately.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.