davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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. (FL)

I am gravely concerned about the validity of the information that is being provided to me by XXXX XXXX, XXXX because they have been sued numerous times for unfair/illegal FCRA practices. 

Please see link : https : XXXX XXXX As such, I have contacted them along with XXXX XXXX  and Experian several times to request verification of the alleged debt that has now been listed on my credit report as a " charge-off account ''. However, after speaking with XXXX at extension XXXX, her supervisor XXXX XXXX and another supervisor named XXXX, I have been unsuccessful in my efforts to obtain any documentation ; they only demand payment on the account based on allege " time-sensitive '' offers that are available to settle the account. Their practices have been questioned in the court of law and therefore, I am concerned about their tactics to collect payment on an account they are unwilling to verify or provide any documentation on. If they are unable to verify and validate this debt, I demand for the account to be immediately deleted from credit report Furthermore, The XXXXXXXX XXXX account is fraudulent. The account has been disputed numerous time & I have requested the verification method that was provided to Experian by the data furnisher to validate the account. Each time the accounts comes back as allegedly " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this is a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account and failure to do so results in the account being deleted from the consumer files. Experian is in direct violation of consumer credit reporting practices and I will take the necessary legal action if necessary.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Consumer complaint received 2021-07-19
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. (GA)

My purse was snatched with all of my Identification information in it. I called and spoke with a representative and explained what happened. They instructed me to send in a identity theft with the information that was created by the thief to have that deleted from my credit report.
Consumer complaint received 2021-07-17
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)

I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name. I called after they received my dispute and was told due to the dates not being present they would not delete this fraud information. I am sending this back with the correct dates to have this deleted.
Consumer complaint received 2021-07-19
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. (MI)

I didnt give consent to furnish my personal information regarding my open credit plan. Ive been violated and harassed about information I deem private. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute on inaccurate information on my credit report and the investigation has taken more that 30 days and still no response.
Consumer complaint received 2024-08-22
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)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX{$380.00} XXXXXX/XX/XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc
Consumer complaint received 2021-07-18
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. (CA)

On or around XX/XX/XXXX i contacted transunion regarding information that only their bureau has not resolved, you see a XXXX XXXX credit card opened XX/XX/XXXX and initially went delinquent XXXX XXXX ( 7 years ) ago should be deleted from my credit file as XXXX  and XXXX  have done, however they were only reporting XXXX data, all XXXX, XXXX, and XXXX shows no reporting or no data, I sent them a copy of their credit report which i saved showing the delinquency during that time and they came back and said the creditor can not locate that, therefore according to Fair Credit reporting act they should have deleted, but they didn't, on or around XX/XX/XXXX i attempted again and now they are reporting partial dated of payments in XXXX but again not removing the old account when I clearly have provided them their report, I have no recourse but to report them to the FCRA victim that i have become,
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (LA)

I was approved for a XXXX bank statement through American Financial Services and broker out through XXXX XXXX XXXX .The loan officer just told me on XXXX XXXX after everything is good and under contract that XXXX XXXX not going to do the loan due to 5.75 interest. He wanted to sign a contract under his company American Financial Services and do it for 3 percent interest .But I'm buying it per loan officer says. I contacted XXXX  and my loan is still active. He lied to me. I have email the his supervisor and contacted CEO of this company. Waiting on answers .I also contacted XXXX XXXX management and waiting on answers. This has been a nightmare to me and my fiance. I will persue legal action against this company.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing a formal complaint regarding the accuracy outdated information on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute inaccurate or outdated information on their credit reports. I have already reached out to the credit reporting agencies directly, but the corrections have not been made. Therefore, I am turning to your esteemed organization to seek assistance in resolving these issues. 

The credit report includes outdated personal information that is no longer accurate. Specifically, my current address, phone number, and employment details have been incorrectly recorded. It is crucial that this information is updated to reflect my current circumstances accurately.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received a test message along case # with Bank of America XXXXBank of America XXXX and phone number about unauthorized charges on my debit account. This was soon followed up my a phone call ( BOA ) phone. When talking to fraud specialist who identified from BOA, I was scammed into transferring money into XXXX which was suppose to go into a new account for safety purposes. However the alternative acct didnt exist and the money was sent to a third ( scammers ) partys acct. They didnt get the full amount because of the limit of transfer in a 24 hour period. They said they will call back at XXXX am on XX/XX/11 which they never did. I felt something was wrong but they provided personal information and the BOA insignia and phone number. Also the new acct never appeared. I called the fraud dept at BOA and they verified they were not involved in the transaction and it was fraud. They said they would attempt to get the money back but it would be 30 days or longer but since XXXX was used, BOA has no recourse. I got the impression they are just going to go through the motions. They have the Banking information to where the XXXX was transferred but told me it was up to the bank. BOA told me that XXXX has a little warning that says Be sure this is the person you want to send money to before pressing send to Based on the dialogue, BOA contact numbers and text message, I was led to believe I was working with BOA by the scam.The account was opened a month ago. Knowing that people have been swindled and XXXX has been used as a conduit for criminal activity, why didn't BOA warn its customers via a letter or any other form of communication.The real BOA fraud dept knew right away that I was a victim of fraud because they were familiar with the method. Why didn't they share this information with its customers? 

This vicious act has financially decimated me and I have no recourse. Im hoping the you can assist me with recovering the XXXX that was taken from me based on false information or steer me in the right direction. Very grateful for your time and consideration.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-17
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX )
Consumer complaint received 2021-07-16
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: Porania, LLC (NY)

I have these accounts that are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Dear Experian Consumer Assistance, I hope this letter finds you in good health and high spirits. I am writing to request the removal of a fraud alert that was placed on my credit report. I understand the importance of maintaining the security and integrity of credit information, but I believe the circumstances surrounding the fraud alert no longer warrant its presence on my credit profile. 

I had placed a fraud alert on my Experian credit report on [ Date ] due to [ briefly explain the reason for the fraud alert, such as a suspicious activity or unauthorized access ]. However, after taking necessary steps to resolve the issue and safeguard my personal information, I am confident that the risk of any fraudulent activity has been adequately addressed. 

To provide you with further details, I have taken the following actions to protect my credit and personal information : I immediately contacted the respective financial institutions to report the fraudulent activity and initiate the necessary measures to secure my accounts. 
I filed a police report with the [ Local Police Department ] to document the incident and provide evidence of the fraudulent activity. 
I have diligently monitored my financial statements and credit reports to ensure no additional unauthorized activities have occurred since the initial incident. 
Considering the steps I have taken and the time that has elapsed since the incident, I kindly request that you remove the fraud alert from my Experian credit report. Removing the fraud alert will allow me to proceed with financial transactions and credit applications without unnecessary delays or inconveniences caused by the alert. 

I understand that Experian may require additional documentation or information to process this request. Therefore, please inform me of any further steps I need to take or provide me with a list of supporting documents necessary to expedite the removal process. 

I appreciate your attention to this matter and your commitment to maintaining the integrity of credit information. Should you have any questions or require any additional information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution and the removal of the fraud alert from my Experian credit report. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

Focus Receivables Management at XXXX XXXX XXXX XXXX, XXXX, GA. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid 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: Upgrade, Inc. (FL)

After noticing two of my credit cards were being used without my consent I contacted Upgrade. I advised the disputes department of the Fraudulent charges and almost 20 days after the dispute they declined my fraudulent disputes. I received an email from them just stating the list of transactions and decline next to it no letter no request to get a police report nothing my XXXX XXXX card same thing happened within two days I was given full credit back on my card no questions asked this company is in violation of the dispute regulatory pertaining to credit cards and or line of credit. They are not willing to take accountability for what they say a 0 % fraud liability. I have no way got no benefit with somebody fraudulently using my card.
Consumer complaint received 2023-06-08
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)

I have filed several disputes with Experian and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called Experian on XX/XX/2023 to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show Experian actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and XXXX XXXX XXXX. I have given experian my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave CoreLogic my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.
Consumer complaint received 2024-08-23
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. (TX)

There are items on my credit report that have resulted from fraud to which I never benefitted from. My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have reported them to the federal trade commission but they are not removed from my report it is adding unnecessary stress in my life.
Consumer complaint received 2023-06-08
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. (FL)

HI 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.