davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : # XXXX # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX  INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-08-31
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/
Consumer complaint received 2023-07-04
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. (NY)

In contempt of previous written request, The 3 credit bureaus neglect to correct the information in my credit file. I have been patiently waiting on the response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report that are needs to be corrected : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my SEVERAL endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.
Consumer complaint received 2023-08-12
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. (IN)

I have sent in Identity theft letters, reporting this and its been well over 30days. I need these items removed immediately it is not fair to me that these items are hindering me from obtaining credit. According to the FCRA 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness. FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate
Consumer complaint received 2023-08-31
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I have had this Rapid Rewards account for some time, and pay it off every month. In the past I have made multiple payments, with the intent to avoid finance charges and pay the balance in full by the billing closing date. 

The last payment of {$3700.00} made on XX/XX/2023 was to XXXX  out the account balance. 

When I contacted Customer Service, I was informed the full balance needed to paid by the due date. This is not how I have been managing my account before with paying the full balance by the closing date to avoid the finance charges. I requested a courtesy adjustment of the {$210.00} and acknowledged I would pay the balance off by the due date going forward, but was declined. 

As you can see by my account history, I have only carried a balance forward maybe 1-2 months, and found this service unacceptable, especially when I pay for this card. If this is not resolved in my satisfaction- I will use my other credit card that offers better service and perks.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

Chase is requiring agreement to the Online and Mobile E-Sign Disclosure and Consent Agreement ( 10 pages ) and XXXX XXXX XXXX ( 125 pages ) before accessing account information online. It is unreasonable to read and agree to 135 pages of legal agreements, and the access token will log the user out of the website before even the shorter of the XXXXwo documents can be read. Bill payment can not be done via telephone and is only available via branch visit. One can logically assume that Chase does not want customers to read through such a tome and just blindly agree to the terms to access their accounts online.
Consumer complaint received 2023-08-31
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. (MD)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-08-31
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. (MD)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This Account was paid, closed, removed, in 2021. The last XXXX months or so XXXX XXXX  has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.
Consumer complaint received 2023-08-31
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-12
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. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

XXXXXXXX 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not understand why this is so difficult. I provided my driver license and a copy of my passport with my other complaints to CFPB. 
Now I look at my transunion report and they have the wrong date of birth. They have XXXX As shown on the submitted documents it is XXXX It was always correct before but now all of a sudden it has changed. Do I need to get a attorney to handle this? This is crazy! This is taking hours, days, weeks even months of my time.
Consumer complaint received 2023-08-31
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. (DC)

On XX/XX/XXXX I disputed an account via notarized Affidavit stating the multiple inaccuracies. The account was not FCRA COMPLIANT nor in compliance with the METRO 2 guidelines. I pointed out the incorrect and untrue reporting with no rebuttal beyond the 30 days allotted. No rebuttal to an affidavit stands as true in the eyes of the law. Ive notice this account fluctuates in dates which manipulates the statute of limitations also. I feel I am a victim of identity theft and I request a block of this account. According to federal law I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted according to federal law 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me revenant to the request to block the identified transactions. The identified transactions are not info related to any transactions by me as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report and file within 4 days from the date of the receipt of this notice. I look forward to your response. 

6802 gramm-leach Bliley act grants me the right to privacy and confidentiality.

I Never opted in and gave permission to use my private information and The four identifiers that are required to block the following information is included. 

Please remove/delete/block the following accounts ; XXXX  Pref Lease
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (KY)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXX XXXX decided to send my account to yet another collection agency : Midland Credit Management. I submitted a letter to XXXX, to Midland Credit Management, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to Midland Credit Management at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. Midland Credit Management says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get Midland Credit Management to comply!
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The credit bureaus stated my account 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. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have been disputing my account since XXXX All my account say 'Account not disputed '. I have called and sent letters to let them know I AM the one disputing my accounts. My next step will be a lawsuit. I know my rights and they are being violated.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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.

has violated my rights. Or list of inquiries 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 2023-08-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (TX)

I opened an albert account to get a pay advance back in XXXX, I never got the advance and never signed up for anything. I then on XX/XX/21 saw a charge from my back account, since I never borrowed anything from them or signed up for anything I attempted to reach out to them. Come to find out they have no customer service number for you to call just a text robot help. I then just requested then to disconnect my bank account and close the account since I have never used their services. For a whole month I have been going back and forth with this robot chat person to have the account closed, but after countless times I have been told it would be closed it still has not and today I was charged a {$29.00} overdraft fee for something I did not authorize so now its a fraudulent charge
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-31
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. (FL)

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 2023-08-31
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. (NY)

I received notice of inquiries from creditors to which I did not apply. I contacted the three agencies and froze my credit file. A week later, I received notice that there were inquiries on my Experian file. I called Experian and they said that someone had unfrozen my file. I told them to freeze it and deactivate the account. They asked me to fax a copy of my ID and some other docs to verify my identity, which I did. That was XX/XX/XXXX. On XX/XX/XXXX, there were more inquiries. Someone had unfrozen my account. I refroze it. Then today, I received again more notices of inquiries. Experian said that my account was again unfrozen. 

How can i delete all my information from Experian 's databases. There are two other reporting agencies that seem capable of securing my data, I do not want Experian to have it at all. How can they just let random people call and unfreeze accounts? Experian should not be in business.
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

Recently checked my credit report on XX/XX/2023 to find that Credit Collection Services has reported a collection on my report of {$420.00}. The dates that they have been reporting goes back to XX/XX/2023. After checking the Secretary of State site for GA, I found that their are dissolved and their licenses are expired. I never signed a agreement with said company and I never received any communications from this company before being reported on my credit