davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (MO)

I previously sent a dispute letter to each of the Credit Reporting Agencies on XXXX XXXX, XXXX, with complete attachments of my personal information and the IDTHEFT REPORT I received from the FTC. I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Reporting agencies are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account and inquiry are being demanded that you remove. I will be taking legal action on behalf of my information being used and XXXX XXXX not only XXXX. Forcing me to pay a debt I have no knowledge of, but 2. Harassing me and my family with emails, and mail about an account I did not authorize. XXXX XXXX has brought not only financial stress but emotional and physical stress onto my life. XXXX  XXXX, on XX/XX/2021, authorized a fraudster to use my name and obtain credit. This account was opened using my personal information. I have not personally signed any documents authorizing that XXXX XXXX even views my credit report. I HAVE FILED A POLICE REPORT on all the documents that were taken and have been used to obtain credit cards, accounts, phones, and much more using my name. When I lost my wallet, inside was my California ID, my social security card, medical cards, and other important information that was used to obtain this credit card. I have absolutely no knowledge of the account, how am I being held responsible of paying a debt I did not incur or even had any knowledge that this debt was incurred until I performed a credit check. Upon investigation XXXX XXXX is stating that they have investigated and determined that a phone number had been used to accept an access code for XXXX XXXX. This is not true. I have never received a call from XXXX XXXX personally about a verification code. My phone number was spoofed to make calls. They were able to make it appear as if calls or texts were coming from my phone number, I had no idea this was even occurring. The fraudster was able to use my phone number to defraud and illegally obtain a credit card amounting to {$3600.00}, using all my information and a spoofing service. I am demanding that XXXX XXXX further investigates this account. Remove the account. Update credit bureaus. Send me an updated credit report. Remove me from your database.
Consumer complaint received 2022-10-04
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. (MO)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint regarding a negative item reported by TransUnion on my credit report. The account in question is from XXXX XXXX XXXXXXXX XXXX " Original creditor '' with a balance of {$1700.00}. 

I have repeatedly disputed this account with TransUnion, as it does not belong to me. However, despite my dispute, TransUnion claims to have verified the account, yet they have failed to provide any verifiable proof or documentation supporting this debt. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify the accuracy of information reported to them. Without providing proper verification, this account should not be reflected on my credit report. TransUnion has neglected this responsibility by not offering any documentation to substantiate the claim that this debt belongs to me. 

I am requesting the removal of this item from my credit report as TransUnion has failed to provide proof of its validity. Their failure to comply with the verification requirement is damaging my credit score and overall financial standing. 

I kindly ask the CFPB to investigate this matter and assist me in resolving this issue promptly. 

Thank you for your attention to this complaint.
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and 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 I did not make the charge. I ask that the item/s 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/remove the items as soon as possible.
Consumer complaint received 2022-10-04
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. (MO)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX XXXX XXXX account number ending XXXX and account number ending XXXX. It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

2. The hard inquiries by XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, are unauthorized and had no permissible purposes to access report. Both of these inquiries ' shall be removed from the report. 

3. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

4. There is an charge off account reporting by Transunion named XXXX XXXX. A charge off is considered income and a certificate of indebtedness and income is not reported to a consumer report. This account must be removed immediately
Consumer complaint received 2024-01-31
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. (CA)

According to the FCRA these companies have violated my rights, the law states that 15 U.S, C. 1685975 1 section 602 ( 4 ) my right to privacy 15 U.S.C. 1681 subsection c written instructions by consumer 15 U.S.C. 1681 subsection 23 reporting inaccurate XXXX XXXX XXXX XXXX... .. did not provide me with contract with my signature on it XXXX XXXX... .. did not provide me with written contract with my signature on it XXXX  XXXX...... did not provide me with written contract with my signature on it XXXX  XXXX ... .. did not provide me with written contract with my signature on it XXXX XXXX  XXXX .... did not provide me with written contract with my signature on it
Consumer complaint received 2022-10-04
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. (LA)

XX/XX/22 I contacted all 3 credit bureaus XXXX, Transunion, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to XXXX XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.
Consumer complaint received 2023-12-12
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. (PA)

XXXX XXXX XXXX  Account number XXXX In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-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.15 USC 1681 section 602A states I have the right to privacy. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

I was approved for a Chase Saphire XXXX Card on XX/XX/year>. I was specifically planning on using that card for an airline ticket purchase for a few different reasons. 1 ) I would get 5x points using that card through the Chase portal. 2 ) The amount of the ticket would go towards my first three-month bonus total. 

I called Customer Service upon my approval and asked how long it would take to get my card in the mail. I was told that they would put a rush on it, and it would be delivered via XXXX in 1-2 business days since I was a Chase " Private Client. '' Long story short, the card never arrived. After day 5, I called Customer Service, and they informed me that the agent I spoke with never put the card on a rush. They apologized 3-4 times and assured me they would send out another card and I would have it next day via XXXX. Once again, the card never showed up. I called towards the end of day two as I was still waiting to book my flight. The Customer Service agent tracked the card and said it was delayed and won't show up for another 3 calender days. 

At that point, I had to cut my losses and book my flight without the Saphire Card I had intended to use. I booked the flight for {$200.00} more than the cost I would have had to pay if the CS agent hadn't made an error and mailed the card out like she had originally stated. I also lost out on the 5X bonus points and the money towards my first three-month bonus spend. 

I spoke with CS and was transferred to a manager. I stated all the facts and asked them to make me whole since this was their error. Both reps told me there is nothing they can do and refused to give me any compensation. 

I'm looking for appropriate compensation for the financial loss of Chase 's error on not sending the card as indicated to me on my initial phone call.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (SC)

I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. I am writing this complaint because Smith Debnam Law Firm continues to violate my rights as a consumer. On XX/XX/2022, I sent them a Cease and Desist and Debt Validation letter asking them to show proof that I owe this alleged debt and to stop violating my rights pursuant to Title 15 Chapter 41 Subsection 15 USC 1692. They continue to violate me by invading my privacy and providing abusive and unfair debt collection practices pursuant to 15 USC 1692c. They have yet to show proof or provide me with the documentation I have requested. I have received harassing letters from this law firm on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. After I have asked them to Cease all unfair communication. Pursuant to 15 USC 1692e ( 3 ) a debt collector may not use any false, deceptive or misleading representation in connection with the collection of a debt or imply that he or she is an attorney or that communication is from an attorney of which they are in direct violation. On XX/XX/2022, I sent a Cease and Desist letter disputing the validity of this alleged debt and demanded an audit trail and I have not received the documents. I asked for all documentary evidence of their claim but all they send are monthly statements that do not show where the charges and credits originated or when. They harassed me and abused me by coming to my home on Sunday, XX/XX/2022, at XXXX pm they served my husband paperwork in front of my neighbors and children. They have embarrassed me and used obscene language stating I owe this alleged debt. This firm has caused me so much mental stress by sending letters in the mail indicating they were from a debt collector.
Consumer complaint received 2024-01-31
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. (VA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

Hi, I am living in XXXX, XXXX, XXXX. On XX/XX/2024, after requesting a hard inquiry on my credit report from a mortgage broker, I was informed that I had some loans, current and past addresses, phone numbers, AKA names, and SIN number which aren't mine. 

This is a mixed file case. 
I called Equifax, filed a report, and filled out the online form which is supposed to restore my identity. The day later, on XX/XX/XXXX, they sent me 2 email confirmations with the case number ( attached below ) that the car loan was removed and my info was updated. 

On XX/XX/XXXX, my mortgage broker checked again and my info is even more wrong than the previous one with a new set of debts. I called them again, gave them my customer reference profile ( online ), and went through every single detail with them. They admitted it was a mixed file again and said they fixed it and then would send me confirmation within XXXX hrs. 
The time was passed and no response from them and my credit report is still wrong. 
Please help to resolve it. It's an urgent matter.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (CA)

Financial Recovery Service INC. PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent a letter to remove these personal informations that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal informations not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (IL)

I was not made aware of this medical debt & Im very unaware of this debt. This needs to be removed off my credit due to this XXXX XXXX not sending or contacting me regarding this medical debt. They have violated the Law by not Sending me an notice about the debt.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPRIAN XXXX XXXX XXXX XXXX