davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Fraudulent credit card accounts were open in my name at XXXX XXXX XXXX XXXX in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any XXXX XXXX XXXX XXXX debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Consumer complaint received 2022-08-31
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX XXXX Balance {$10000.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-14
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: CITIBANK, N.A. (CA)

To Whom It May Concern : I am XXXX XXXX, a Citi Premier card holder. 

On XX/XX/XXXX, a fraudulent charge appeared on my credit card account ending in XXXX, appearing as " XXXX XXXX XXXX XXXX CA XXXX with an amount of {$210.00}. I called both the general customer service and the fraud department immediately, XXXX phone calls. Both people confirmed with me that my account has been blocked. However because my account is brand new they can not verify my information online so they would mail me a letter and I can only dispute the charge after I receive the letter and follow the instructions written on it. 

The next day I went to a XXXX and called the fraud department from there. I was told that my accounthas been blocked so I could rest assured for now. 
However, today when I checked my online banking I saw a new fraudulent chargeAPPEAR on my account. It was on XX/XX/XXXX, after I made the first XXXX phone calls and was told that my card was blocked already, in the name " XXXX XXXX XXXXXXXX CA '' with an amount of {$110.00}. I immediately made a phone call to the dispute center and the person who picked up the phone only told me to wait and refused to offer me any further information. 

I don't know how the scammer could still use my card when it has been blocked. Has it really been blocked? I feel disrespectful and very very anxious. A proper explanation is badly needed. Moreover, I need to submit disputes to both charges now and get reimbursed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-31
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Via certified mail, I submitted a request disputed request for verification of items being reported on my credit report. The letter was notarized and included copies of my driver 's license and passport photo as additional proof of identity. The request for verification under the FCRA was sent to Transunion, XXXX, and XXXX on XX/XX/2022. Based on tracking from the US Postal Service, all three agencies received the request by XX/XX/2022. Upon reviewing my credit file, none of the agencies honored my request to seek verification. The request cited the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I asked that they verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. And that the verifiable proof ( an original Consumer Contract with my Signature on it. Lastly, I stated that if they failed to verify the accounts, they must be removed, and they needed to provide me a copy of the verifiable proof. 
Upon contacting Transunion on XX/XX/2022, I was informed that the requested disputed and investigation were not started based on my written request because it was determined to be from a third party. That is despite the fact I had provided proof of identity and a notarized and certified letter. In that phone call and several others over multiple days, I spent over 8 hours discussing the matter with various Transunion personnel, who all stated that my letter had been received, but the verification department deemed the letter to be from a third party. 
There is no prohibition I could find stating a dispute could not be submitted by a third party on my behalf. Moreover, this particular request to investigate was written by me, notarized, and sent by certified mail. In my conversations with Transunion, it is clear they failed to honor my request and comply with the FCRA based on the pretext that my notarized and certified written request was not from me.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with Transunion or XXXX either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A phone conversation on XX/XX/2022 with XXXX disputing accounts confirmed that these accounts were no longer reporting and were deleted XXXX That phone conversation 's confirmation # is XXXX
Consumer complaint received 2022-08-31
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. (AZ)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (MS)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-08-30
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Transunion, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-08-31
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. (FL)

On XX/XX/2022, I mailed in a communication to Experian to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Experian regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give anyone at Experian written instructions to furnish any of these accounts to my consumer report. 

Experian has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2022-08-30
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: Upgrade, Inc. (PA)

I noticed an acct was opened with Upgrade Inc. The account appeared on my credit report as of XX/XX/2022. Upon noticing, I immediately contacted the company to tell them that I did NOT authorize the account. I was told that the account would be closed and reported to the credit bureaus. On XX/XX/2022, I noticed that my credit score had dropped by XXXX points. Upon further investigation, I saw that the reason for this change was that the account with Upgrade Inc., which I had considered closed, was delinquent by 60 days. The total balance on the account is {$1.00}. I did NOT open this account and I am NOT responsible for its delinquency. The account should have been closed in XX/XX/2022. 

In addition, there are two other hard inquiries on my credit report that I do not recognize. One is from XXXX XXXX The other from XXXX. The origination date for both is also XX/XX/2022. Upon noticing these, I immediately contacted member services teams for each. I was told that there is no record of my having requested an account. The inquiries, however, were not removed.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 XXXX 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 2022-08-31
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. (NY)

My identity was used without my authorization and or knowledge to open an Auto loan with XXXX XXXX XXXX XXXX. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Consumer complaint received 2022-08-31
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Re : Delete on Credit Report Im wiritng to request to remove the fraudulent I noticed this problem XXXX, XXXX 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 charges or apply for Credit. 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. 

Fraud Account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-08
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. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-31
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. (NC)

The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! They have spammed my file over 20 times in one month.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX  XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).