davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (NV)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-12
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. (NY)

In XXXX I was a victim of identity theft and my information was used to open numerous financial accounts under my name, one of those companies being XXXX. On XX/XX/XXXX a credit card was fraudulently opened under my name. I found out about the issue on XX/XX/XXXX. It took me awhile to understand the credit reporting industry and after learning what was needed to be done I filed a report with the federal trade commission and contacted every company where an account was opened under my name and every single one of them took the appropriate steps to remove the inaccurate information from my credit report except XXXX. Ive called them more than 10 times Ive mailed in letter more than 5 times and every time they refuse to remove the information without giving me a reason to why they could not.
Consumer complaint received 2023-08-22
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (NV)

" i have not provided proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, i presume that no proof of the alleged, nor therefore any such debt, in fact therefore exist. 

Fair credit reporting act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete that is innaccurate, incomplete or which cant be verified. 
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 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 2023-06-12
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. (NY)

I applied for pre approval of a XXXX XXXX XXXXredit card issued by XXXX Bank and XXXXXXXX XXXX XXXX XXXX. Before I applied, I was assured by a XXXX XXXX representative that this would be a soft inquiry. 

Although I was approved, I declined the offer but was immediately informed by all XXXX credit bureaus that a new hard inquiry was on my report. 

I called XXXX XXXX  and they agreed to notify all XXXX bureaus to change the hard inquiry to soft. XXXX and XXXX complied immediately but Experian has not. 

Attached is the letter XXXX XXXX sent me on XX/XX/2023 informing me that they had taken this action.
Consumer complaint received 2023-06-12
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. (GA)

I reviewed my Consumer Reports and noticed that I had ONE late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Secured credit card with account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The family educational rights and privacy act ( FERPA ), a federal law enacted in 1974  that protects me from the privacy of student education records for XXXX   Any public or private elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

I am writing to dispute inaccurate information that appears on my credit report regarding a bankruptcy filing. After reviewing my credit report, I have discovered that there is a bankruptcy record listed that is incorrect. I am requesting that you investigate this matter and take the necessary steps to rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

The Bankruptcy court stated in the attached response letter that they don't report Bankruptcy informaton to consumer ' reports or consumer reporting agencies. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( LexisNexis, XXXX, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from an online electronic system known as Pacer.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

On the night of XX/XX/2022, I lost my Chase debit card and cell phone while visiting XXXX XXXX, Louisiana. In the early morning of XX/XX/2022, someone withdrew unauthorized a total of {$9500.00} from the stolen card at multiple locations, including Chase ATM, XXXX, and XXXX XXXX, etc. I reported the unauthorized activities to Chase Fraud Department immediately after the discovery on the morning of XX/XX/2022. I provided evidence that the charges were indeed unauthorized by me by including the alert emails Chase sent me, my police report, and a witness statement, I was with my boyfriend the entire time when the incidents occurred. JP Morgan Chase, however, ignored the mounting evidence that the charges were indeed unauthorized and denied my claims multiple times. They cited that the person used the correct PIN to conduct the unauthorized transactions, I never voluntarily shared my Chase debit card or PIN information with anyone, nor did I authorize anyone to use my card to conduct these transactions. When I asked them to prove these transactions were authorized by me, they declined my request. Therefore, the bank has failed to prove the transactions were indeed authorized by me, they acted against consumer protection law and its own terms of service.
Consumer complaint received 2023-07-26
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. (MI)

I fully expect Experian to accept this dispute as it is my right to investigate and verify my account information. First thing is my name is wrong 2 times I am not a Senior. I am not XXXX XXXX either. There are current addresses and previous address and employers that are not correct. Also other accounts I have outlined in the letter attached and inquiries I did not authorize
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX I logged into my care credit account to set up my XXXX time draft for the minimum payment due of {$110.00}. I did this and received the confirmation email. Unbeknownst to me, I was enrolled in auto draft for the entire balance of XXXX set to debt XXXX XXXX I never authorized this. I do not have a single confirmation email authorizing this amount or transaction. 

I called synchrony bank on XXXX XXXX when I received an email stating my payment was cancelled because the balance was paid in full. I asked the customer service rep to cancel the auto draft and that auto draft payment as it would cause my Account to overdraw. The customer service rep, XXXX XXXX, said he had done so and that he would reinstate my original payment. 

I realized I never received any email confirmation of my conversation. I called back into customer service for synchrony bank and spoke with XXXX. The only item that had been done was they had cancelled auto draft on my account, or unenrolled me. They could not reverse the draft ; only my bank could do that. I explained that was not the information I had been given that morning. I further explained that reviews their online mobile experience and I did not enroll to pay the entire balance. I am now incurring overdraft fees with XXXX bank, will have late charge with synchrony bank and potentially adverse marks on my credit. While I had previously been enrolled in their autopay service. I had never authorized the entire balance.
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. (SC)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct or delete the following items : 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 2023-08-31
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-12
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. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to file a complaint XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX to stop their unlawful behavior.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (FL)

This company has multiple accounts on my credit report. I found out that this company is a credit card company but has XXXX different account numbers. I tried disputing with the company that I never opened an account with them. They said that they would investigate it and send me a letter within XXXX days. I haven't received a letter nor a call back. It has been XXXX months now.
Consumer complaint received 2023-05-02
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. (NC)

Please provide documentation that the following accounts are listed on my credit report. Otherwise please correct these damaging data immediately. 
XXXX XXXX XXXX : {$460.00}, XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-11-24
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. (FL)

I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXXC fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX
Consumer complaint received 2023-06-12
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. (MN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-06-12
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. (TX)

I am submitting this complain and I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts and have these corrected : XXXX XXXX XXXX XXXX XXXX Balance {$48000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$310000.00}.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to XXXX XXXX asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with XXXX XXXXXXXX stating that you believe there is fraudulent activity on your XXXX  XXXX account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! XXXX XXXX refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. XXXX is there isn't because someone else clearly used this card and XXXX XXXX REFUSES to do anything about this!
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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 purpose.