davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
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. (TX)

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 2023-08-26
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. (WV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: WELLS FARGO & COMPANY (AK)

I was investigating the possibility of obtaining a loan for home improvement through ( XXXX ) your site and after submitting an inquiry I received a rejection notice. It also appeared on my credit report. I was only looking for the possibility of obtaining a loan and did not request one. Can you assist me in removing it?
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer report and discovered these inquiries that wasnt made by me. Called and requested to have them removed and was given some push back to get them deleted. I made a police report that I will upload.
Consumer complaint received 2023-08-26
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2023-08-26
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2023-08-26
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2023-08-26
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. (NY)

XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX, BEST B XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-26
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. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (IN)

My soon to be ex-wife took out several credit cards and loans out in my name, and now has me {$30000.00} in debt. My credit score is destroyed and i have debt collection agencies constantly trying to get money from me.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report. 

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report
Consumer complaint received 2024-10-24
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. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-08-24
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: T.S. Holdings (GA)

I have sent in a requests to all 3 bureau 's to investigate and provid me with signed documentation, that I in fact owe the debt collections on my report. I have not been provided this information after multiple requests and so it needs to be removed off my credit report. This is deformation od my character and causing hardship on my everyday life and I am trying to buy a home. The credit bureau investigation only comes back UPDATED. No verification that I actually own and owed on these accounts.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXXXXXX  I was in XXXX and purchased two pictures and a figurine. I gave the guy my credit card to charge me for the merchandise and a few days later I saw the charge for over {$2000.00} on my card in two separate transactions. I got home on a Monday night Tuesday morning I called my Credit card to dispute the charges. They looked into it and on Thursday I got a letter telling me that the charges were found to be not fraud, and it would be credited back to my account. I called on Friday morning to talk to the manager of the fraud department and explain to her what happened and she told me that nothing could be done and that am going to be resonible for paying you for paying that {$2200.00} that I didn't spend. They told me because the actual card was used to make the purchase. This guy used to machines the first one. He told me it didn't work and then he ran my car to get on something else and I believe that he scammed me out of this money and I should not be responsible to pay for it. I don't have a receipt because the guy was supposed to mail me a receipt and never did for the items that I actually purchased. 
Here is a list of the purchases I did make in XXXX XXXX XXXX {$58.00} SXXXX XXXXL {$56.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$270.00} I did not purchase the following - I have no idea where this came from. 
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX  {$910.00} When the credit card company saw this kind of large charges they should have contacted me right away. And they should have been flagged.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (IL)

I am sending this complaint as a follow up to once again asking for assistance to request the Experian and XXXX Credit Bureaus for the removal of inquiries from my credit reports. I realized that these inquiries were made in error or without my authorization. I understand that inquiries on my credit report can impact my credit score, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, I kindly request your assistance in promptly investigating and removing these inquiries listed below from my credit report. 
EXPERIAN : XXXX XXXX XXXX XXXXXX/XX/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 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Credit bureau reporting a fraudulent account in my report. 

XXXX XXXX credit card account number XXXX The account does not belong to me and my info was stolen at time account was opened. I have filed a police report for the identity theft and attached to this complaint!
Consumer complaint received 2023-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

Ive been paying on this loan for over two years. And its not budged but maybe {$200.00}. By this time it should have been payed off or close. I wasnt told about the high interest or paying a little more to get it down. Till after a year and I asked why is my loan not dropping. Then they finally told me and I was already in contract with them.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I wanted to dispute my charge on a XXXX and my claim got denied without any extra information from the representative and they didn't help me and instead was on full side of the merchant. Then my credit card was reduced by {$4000.00} and then overcharge to purposely report me over the credit limit. if my credit limit isn't the same or higher before the overcharge then im going to a small court claims.
Consumer complaint received 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

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

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX , HI XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NY)

Attached is a screenshot of EdFinancial 's assertion of what my loan balance ( s ) are/is. I sent EdFinancial a {$70.00} payment non-physically. Interest will begin to be charged on XX/XX/XXXX. Date of writing this text is just XX/XX/XXXX. I'm going to be charged interest unjustly if EdFinancial doesn't put my {$70.00} payment almost two months ago on the correct loan, which is the loan group I have with the highest interest rate ( and the lowest actual present balance. ) Further, I have a Consumer Financial Protection Bureau complaint ending in XXXX against a debit/gift/credit card or finance company ( not EdFInancial ) regarding the matter of an initial {$8.00} submitted on XX/XX/XXXX. Regardless, that {$8.00} can be applied to the same group as the {$70.00} in question, and this must be done before XX/XX/XXXX when interest will be begin accruing again.