davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

Last week, XXXX, XX/XX/2022, I received in my home mailbox two sets of checks for TD Bank accounts that I did not open, XXXX letters stating the accounts were overdrawn, and a debit card with a sticker prompting me to activate it. I have never been a patron of TD Bank, nor have I ever applied there. I applied XX/XX/2022, for a new account at XXXX XXXX XXXX XXXX online, but confirmed with them by phone that they had my application and were not affiliated with TD Bank. 

When I called TD Bank, the number on the debit card to activate it, I was curious. I entered the card number, my zip code, and the last 4 of my SSN, and the recording came on alerting me that my information did not match their records and transferred me to a CSR. I gave them the account numbers and told them they were not my accounts, and the debit card number. They suggested I cut up the debit card, which I did. They tried to transfer me to their fraud department, but I was placed on hold for over 75 minutes and could not wait any longer. I hung up. 

Friday morning, the next day, XX/XX/XXXX, I received another pack of checks. Same process, this time I looked up TD Bank 's number on XXXX, verified it was the one I called yesterday, I spoke with a CSR, gave them the account number, they transferred me to fraud, where I remained on hold for 48 minutes. I hung up, called back 3x but have still been unable to speak to anyone at TD Bank in Fraud. Their message just repeatedly says they are short-staffed because of COVID. I looked up the mailing address of the routing number on the checks and sent a letter to TD Bank in USPS mail demanding the same thing I'm asking for here, for my name and credit reports to be cleared of these fraudulent accounts. 

Saturday morning, I received a letter at my place of business from TD Bank in XXXX telling the previous owner of my restaurant to discreetly claim an inheritance due her for a family member who passed away. Now I think I know how they got my name and personal address, we are the new owners of the restaurant, and our home office address is public record in our state because of our business license. 

I have filed a complaint with identitytheft.gov, the consumer finance protection bureau, all 3 credit bureaus, and my local police department.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-25
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. (GA)

These inquires are unknow and not authorized by me, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had two 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 : ( 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.
Consumer complaint received 2024-07-25
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. (MD)

I got this loan to pay for school in 2021 paid this account off way before the time it needed to be paid off. Its showing I have late payments and marking the closed paid off account as a derogatory, which is hurting my credit and my chances to buy a home. I have requested them many times to remove the derogatory marks that I was never aware of and as well as delete the accounts off my credit report. Ive 2 accounts with them 1 personal loan and 1 auto loan and because of them Im not able to get a good apr on a house Im willing to buy. Please have them delete both of the accounts on my credit report or have them remove all the derogatory delinquency mark off of my credit report. Thank you, I need to updated as soon as possible as Im bout to finish my lease and almost finalizing a mortgage.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FMC-OMAHA SERVICE CT XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-08-18
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)

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX and XX/XX/XXXX I placed a charge on my capitol one credit card with XXXX vacations for my upcoming vacation. 
On XX/XX/XXXX XXXX charged a deposit of {$1000.00} ( XXXXXXXX XXXX ) On XX/XX/XXXX I charged the balance of {$4900.00} ( XXXX XXXX ) A total charge of {$5900.00} ( XXXX XXXX ) I then used {$1000.00} worth or rewards earned from capitol one toward my travel purchase. 
Then at a later date used {$340.00} dollars more of my capitol one rewards towards my travel purchase. 
Which in total adds up to {$1300.00} Of rewards credited towards my account. 
I then unfortunately had an accident and broke my XXXX and was told by my doctor not to travel. I called my XXXX XXXX and informed them that I had to cancel my trip. 
I then called my travel company and asked for a refund to my credit card and was told that based on my trip insurance they can only credit me towards future travel. 
I then proceeded to call capitol one to see if they can help me with this charge. 
I then was told by a capitol one representative to dispute the whole purchase of {$5900.00} and so I did. 
Capitol one then took {$5900.00} off my Credit card balance. 
capitol one then closed the dispute and proceeded to put the full amount of {$5900.00} back as a charge on my account. 
When adding this charge back to my account balance capitol one did not put back into my reward balance the {$1000.00} and {$340.00} worth of rewards I used towards this purchase. 
I then called and explained this to them and to try to rectify this they added XXXX rewards back to my reward balance which equals {$340.00} if use for travel purchases. 
Capitol one then placed a charge of {$340.00} because of the rewards that were put back into my rewards account, this was simply supposed to be a rewards credit and for some reason they Made it as though I bought those rewards. 
As for the other {$1000.00} worth of rewards nothing has been done yet. 
I called them and stated this problem and after speaking to numerous representatives and managers in which i listed just a few names and ID numbers below there was still no resolution. 
Shy ID # XXXX XXXX ID # XXXX XXXX ID # XXXX And XXXX ID # XXXX who promised me that she herself would call me back the next day at XXXX. Not only did she not call back at XXXX but its XXXX week later and I still have not heard from her or anyone at capitol one. This issue has been going on since the beginning of XX/XX/2021 till currant. 
My credit score has dropped XXXX points due to these disputes, Attempting to speak to anyone from capitol one regarding this matter is getting me no were and Im concerned that this matter will never be resolved and capitol one will continue putting more charges on my card while trying to correct this problem.Capitol one know owes me the amounts as follows : {$1000.00} {$340.00} {$340.00} Which is a total of {$1700.00}.
Consumer complaint received 2022-02-14
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. (PA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2024-07-25
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The list has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Credit score with all 3 credit bureaus experian XXXX, XXXX XXXX, XXXX XXXX. My problem lies with Experian. Its been XXXX and has not moved in a long time. My account has zero collections to credit cards 7 % usage and that is it. I dont understand why my credit score with experian is still at XXXX and has not moved in months XXXX is at XXXX but thats cause it went down XXXX points due to usage of credit card but Experian hasnt gone up. It hasnt gone down. It hasnt moved what I can do to help my credit score considering I have no Collections and only two credit card accounts why my credit score isnt getting better. They keep saying higher illegal credit professional Ive been there done that Ive cleared up my credit tremendously. They refuse to help me.
Consumer complaint received 2024-07-25
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-25
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. (PA)

I am writing to lodge a formal complaint concerning severe discrepancies on my credit report that have yet to be resolved despite my previous attempts. The fraudulent entries include multiple accounts and inquiries that were not initiated or authorized by me. This is my third attempt to address this matter, and I demand immediate and thorough action.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

None of your choices applied to this. 
When I make a purchase with my visa or mastercard my money is taken from my account immediately. When I make a return it takes up to 2 weeks for a refund to process. Also, when I make a transfer from my bank account to pay a visa bill issued by my bank, it takes average 5 days to process. These long holds of consumer 's money, whee the visa and mastercard companies are benefit off the interest are not acceptable. I need my money. Sometimes I don't even have enough to buy another item because they are holding my money. If they can take money from my account instantly, they can return it instantly. XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

RE : XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the XXXX that are being challenged XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the XXXX that are being challenged XXXX  XXXX NA - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2022-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XXXX of 2020, I have been disputing 2 Capital One accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply Capital One with more information in order for them to investigate the account. I am unclear as to why I need to help Capital One investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the XXXX bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing