davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (PA)

Calvary Portfolio LLC added a collection account to my credit bureaus without notifying me of the proposed debt or giving me the opportunity to dispute under the 30 day notice of first dunning. The only reason I knew is that my credit alerted me that a new account was added as a collection account. I immediately called them and disputed the debt verbally and then followed up with a letter that they confirmed they received. I have called them 4 times and sent another dispute letter and they refuse to remove this collection account as it was used fraudulently while I was undergoing XXXXXXXX XXXX and was disputed with the original creditor " XXXX XXXX ''. There also is NO charged off XXXX account on my credit bureaus so I am suspicious how in fact they even got this account sold to them. They were informed by me that I was consulted by a collection account familiar with the FDCPA that an account can not be reported to the credit bureaus if in fact it is DISPUTED... 
The account is listed as SERIOUSLY PAST DUE / COLLECTIONS/ATTORNEY Speaking with Customer Relations on Friday XX/XX/XXXX which will be my 5th call to them I spoke with XXXX who would not help but rather try to get me to pay them, I asked for a supervisor and got XXXX who took my information and said they will send my concerns to their upper management. Another delay and another road block to get this resolved. They will not remove it and I have told them that I am a XXXXXXXX XXXX  and my only source of income is SSI as I am not able to work due to being in a XXXX XXXX and that I am disputing this and it is making an adverse remark on my credit. 

I did inform them that if this is not removed I will be conferring with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file damages
Consumer complaint received 2023-03-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (UT)

As of XX/XX/2023 Experian still using stall tactics to remove unauthorized inquires from that Experian to be verified. Experian has been requested to remove 12 unauthorized inquires from my consumer report but instead removed 4 leaving 8. I received an email asking for my ID and Proof and having issues with the company website uploading doc. Obviously Experian received my complaint and my proof of ID and Utility bill with my name and address. This is XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I will not keep sending information in which has already been provided to Experian. I will insert my consumer rights under the CONSUMER LAW and proceed to legal council. If Experian still continues to violate my rights and refuse to remove the remaining 8 inquires that are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have 4 CERTIFIED POST OFFICE DOCUMENTS that Experian has been asked on more then 4 occasions to verify their findings which they fail to do. NO MORE ASKING AGAIN TO REMOVE INACCURATE AND UNAUTHORZIED INQUIRES INTO MY CREDIT FILE! IF YOU THINK I '' M PLAYING TRY ME! I '' M NOT FOR PLAY PLAY
Consumer complaint received 2022-12-05
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. (OH)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: W&A Intermediate Co., LLC (AZ)

Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : The following letter was sent over 30 days demanding removal of inaccurate and invalidated information on my consumer report. 

Subject : Fair Credit Reporting Act, Section 603 Dear XXXX : Wakefield, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} 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 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank first notified me that it would close all my bank accounts on XX/XX/2022. I called the number Citi gave me for the reason of account closing, and was told that the decision was made by the branch. I went to the Citi local branch, but the branch has no clue. 

Then Cit closed all my credit accounts on XX/XX/2022 without prior notification. I learned this because I used Citi credit card as my default card to pay online order of medication, and I did not get my medication on time, and then I found out that the card was inactive. 
with prior notification. Citi nullified all my reward cash and points. 

I called Citi multiple times, but they did not explain to me why they closed my accounts. I also asked that Citi reimbues me all my earned reward cash and points, but Citi refused my request. I then wrote to Citi address in their account closing, inquiring the account closing reason. Citi told me that it did not receive my letter. I then contacted Cito executive office. It replied that it had already notified me on XX/XX/2022. I responded by telling it that XX/XX/2022 notice was for banking accounts not for credit accounts. ( Indeed, when I went to Cito branch to close my bank account at the end of XX/XX/2022, the clerk did not mention at all that Citi would close my credit accounts. ) I also attached a copy of letter I sent to the email ( to the Executive office ), asking Cit to send the credit card account closing reason. Citi did not bother to read the attachment, keeping saying that it had already responded to my inquiry. Up to this point, I still don't know the reason that Citi decided to close my credit card accounts.

I ask the following from Citi. ( 1 ) Inform me the reason that it closed my credit card accounts. ( 2 ) Reimburse me the reward cash and points I had earned on my cards.

Citi 's behavior of closing my credit card accounts was unprofessional and even life threatening -- I did not get my medication on time because I did not know in advance that Citi would close my credit card accounts while Citi card was set as a default payment. I wish that CFPB will investigate such behavior.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: Affirm Holdings, Inc (IL)

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

After looking over my Experian consumer report I've noticed fraudulent accounts reporting that doesn't belong to me. These companies purchased and shared my personal information without my consent which is fraud pursuant 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. These accounts are negatively impacting my credit score limiting my ability to have any potential relationships with any lenders or institutions.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

on XX/XX/ I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the about of {$1800.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

Tried to get the free annual report supported by Equifax. I got the following error : " Please give us a call We can't complete your request at this time. Please call the Customer Care team and mention error code NH. 

XXXX ( XXXX ) '' I called the Equifax customer service and they were not able to help. 

My credit file has disappeared and won't show up on any credit monitoring services. Please help.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$590.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX  XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX/XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I had more fraud on another credit card with a {$14000.00} credit line that simply needs to be replaced with a new card and account number, but once again i'm seeing that the available credit was incorrectly deducted from my total on XXXX XXXX which reports to XXXX, where my total available credit is already nearly {$20000.00} too low, and I once again, lost a point on my credit score, and a month in my average credit age. XXXX will report that I have only {$23000.00} total available credit, when I really have {$57000.00}. it will show less than half of what it really is, when it's already almost {$20000.00} too low because they take so long to correct the information with the previos two cards that had to have account numbers replaced because of fraud. They need to stop constantly doing this over and over and over again, taking available credit away due to fraud, when the card is simply being replaced with a new account number, which should have absolutely no effect whatsoeveron my credit score.
Consumer complaint received 2024-08-25
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (SC)

Was contacted said I was approved for loan they ask for a banking information.. and I gave it not realizing what was happening they sent 2 deposit was told to buy target cards .. person said it was to prove who I was verification process they went into my account filed 5 disputes from my bill pay .. my bank credit it back to me I had no idea what was happening until later I was told to sent all the $ $ cash to po box out of state .. now Im left owing my bank XXXX I did report it to bank in the process of solving it.. I was scammed and didnt realize until my daughter did research .. from XXXX  XXXX.. I got all emails
Consumer complaint received 2023-06-09
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: FC HoldCo LLC (NY)

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Consumer complaint received 2023-06-09
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. (TX)

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.

The letters are stated with items and issues.

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 2023-06-09
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. (OH)

I received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.