davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive submitted this paid account and paid it in full, as the consumer it should reflect my positive payment history. The account was disputed in error and should reflect a peptide payment history. Please see attachment
Consumer complaint received 2023-07-02
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)

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte black XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
Consumer complaint received 2024-09-03
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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. (NY)

I have told experian, XXXX and XXXX that I was a victim of identity theft. someone was even filing taxes under my name. I have a report number of identity theft with the irs, also have a report of identity theft on the federal trade commission on identitytheft.gov and that report number is XXXX they are reporting all these accounts as 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
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

Account Number : XXXX XXXX # XXXX Account Number : XXXX # XXXX - BALANCE {$4400.00} Account Number : XXXX XXXXXXXX XXXX  # XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX # XXXX - BALANCE {$2700.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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

Account Number : XXXX XXXX  # XXXX - BALANCE {$5100.00} Account Number : XXXX XXXX  # XXXX  - BALANCE {$5100.00} Account Number : XXXX  # XXXX - BALANCE {$460.00} Account Number : XXXX  # XXXX BALANCE {$3400.00} Account Number : XXXX XXXX # XXXX - BALANCE Account Number : XXXX XXXX # XXXX  - BALANCE Unauthorized Inquiries XXXX XXXX XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This account does not belong to me, and it appears to be a case of mistaken identity, fraud, or a reporting error. The presence of this incorrect information on my credit report is causing undue harm to my credit standing. 

Account Number XXXX CREDITOR : XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX is my name sent a copy of my social driver licencne and so forth they still continue to report two  accounts that when I call som others woman information comes up told this to the beuros but they keep insisting is me asked for proof of the debt directly from the creditor they did not send me anything to me but when directly to XXXX equifax and XXXX and requested that my file be locked to me by them is this possible? it seems i get the run around and after several calls back i give up help me please!!!!
Consumer complaint received 2023-07-02
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX has violated my rights. 

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
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I have been having a lot of issues with CITI. First they sold me foreign currency at a premium then robbed me when it was a sold back as XXXX euro is not worth only XXXX USD but thats what they gave me back. Since I had a bad XXXX 2 days after I brought the euros and now since I cant travel I decided to deposit them. Then my coat was never delivered and I have been trying to get CITI to do this dispute since XX/XX/scrub>XXXX XXXX  and its almost been a year and they are refusing to help me. I provided proof from XXXX when they investigated they said the package was lost. XXXX could not provide my signature because I never signed for anything as it never was delivered. The store told them I needed a police report, but the police said no they don't. CITI is still not doing their job and helping me to get my {$2000.00} back from XXXX. Now they bounced back my bill payment for {$69.00} saying insufficient funds and it was not at all as I had almost {$2000.00} in that account that I use for automatic bill pay. I called CITI and the rep told me that my account is over drawn by {$800.00} and that is why my payment was returned, but it wasn't as I was online looking at my transactions. The info they provided was not factual or accurate as I have the proof as I was online that my account was no where overdrawn. They have been nothing but awful and their reps especially in the dispute department are of no help and don't want to help. They really need to be investigated. I have called numerous times and no one helps. I guess because I'm not a rich client they don't care. I feel discriminated against and wondering if I were a different race or different income class I wouldn't be treated like this.I just called them and they told me they closed the dispute and their is nothing they can do once the funds are given to the merchant. I doubt that is true.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Two accounts ( x1 and mission lane ) are reporting late 3 late payments each. That information is incorrect/ inaccurate. All payments were made on time.

Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

I have sent them multiple notifications to remove said inaccuracies and verify said account. The account has not been removed from the report. 

These inaccuracies are stopping me from getting loans for houses and cars furthermore. 15 USC 1681 section 6028 states that I have the right to privacy.

15 USC 1681 604 section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. I have not given anyone written instructions to furnish anything on my consumer report any my right to privacy is being interfered with.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX and XXXX are reporting late payments after charge off and transunion is showing no payment history on XXXX XXXXXXXX XXXX 's card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

XX/XX/ I RECEIVED NOTIFICATION VIA EMAIL THAT A DEPOSIT DECLINED PER INCORRECT PIN. XX/XX/XXXX LOSS PREVENTION CALLED ASKED IF I WAS THE OWNER OF THE ACCOUNT I REPLIED YES. SHE GOES TO TELL ME THAT THE CHECK WAS FOR XXXX WAS ALTERED. AND HOW MANY ACCOUNT DID I HAVE WITH WELLS FARGO THAT THEY WILL BE SHUT TO TILL I CALLED FRAUD DEPARTMENT OR GO INTO A BRANCH AND I DECIDED TO GO INTO THE BRANCH. 
I EXPLAINED WHAT WAS GOING ON. I PROVIDED MY ID SHE SHUT CARDS DOWN AND ORDERED NEW CARDS I WAS TOLD THAT I WOULD HAVE TO HAVE AN APPOINTMENT TO GET ANY CASH. I CALLED LOSS PREVENTION TALKED TO DEPARTMENT AFTER DEPARTMENT ALL I WAS TOLD THAT THE ACCOUNTS WILL BE CLOSED ON XX/XX/XXXX, AND WHERE WAS MY CARD I EXPLAINED ITS NOT HERE IT BEEN STOLEN. OMG!!! PRESS CHARGES THEN TOLD THAT WAS ANOTHER DEPARTMENT. SPOKE TO INVESTIGATOR F. WHO TOLD ME TO GET POLICE REPORT SENT COPY OF THE CHECK. FILED POLICE REPORT TRIED TO GET INVESTIGATOR BACK COULD NOT REACH HER. XXXX I HAD HAD TO WAIT ANOTHER DAY TO GET ANY FUNDS THE WAIT XXXX ADDITIOAL TO GET FUND. I ASKED THE BANKER AM I BEING PLACED ON SOME TYPE OF LIST FROM OPENING ANOTHER ACCOUNT, SHE STATED NO. WENT TO XXXX XXXX TO OPEN ACCOUNT GAVE HIM XXXX CASH AND THEN HE INFORMS ME THAT XXXX  XXXX XXXX XXXX MAY NOT APPROVE YOUR ACCOUNT. THE NEXT DAY THE ACCOUNT WAS NOT HONORED AND THEY WOULD NOT GIVE ME MY MONEY SAYING FRAUD MAY BE IN PLAY. AFTER CONTACTING XXXX WELLS FARGO HAS LABELED MY FRAUDELUENT, TO DATE WELL FARGO HAS NOT PROVIDED ANY PROOF THAT I DID ANY SUCH ACTION OR PARTICIPATED IN SUCH. I HAVE BUILD A XXXX RELATIONSHIP WITH THIS BANK AND THIS IS NOT THE FIRST TIME THE BANK WAS IN THE WRONG I HAD AN ISSUE BEFORE WHERE THEY TRIED TO SAY I ALTERED A CHECK AND THEY DIDINT LOOK AT THE DATE ON THE CHECK AND WITHHELD FUNDS. NOW TO LABEL ME A THIEF AND HURT MY BUSINESS REPUTATION IS TOTALLY WRONG. THIS IS STILL ON GOING
Consumer complaint received 2023-07-02
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. (FL)

" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my TransUnion score yet and also my XXXX score. Before I opened a new policy with XXXX XXXX XXXX, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights.

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
Consumer complaint received 2024-09-03
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. (TX)

I am bringing to your attention the presence of inaccurate information on my credit report that requires immediate correction. After thoroughly reviewing my report, I have identified specific entries that are incorrectly listed and do not accurately reflect my account history. These inaccuracies are having an unjust impact on my creditworthiness, potentially affecting my ability to secure credit.

The information in question contains errors that are inconsistent with the actual status and history of my account. This misreporting can lead to misunderstandings by those who review my credit report, making it imperative that these inaccuracies are promptly addressed.

I kindly request that you undertake a comprehensive investigation into this matter. During your review, please compare the reported information with the accurate data on file. For your convenience, I have attached a separate letter with additional details regarding the disputed entries, along with supporting documentation that substantiates my claim.

It is essential that this erroneous information be removed from my credit report entirely, ensuring that my credit history accurately reflects my financial behavior. By doing so, you will prevent any further negative consequences on my credit score and my ability to access credit.

Please keep me informed of the outcome of your investigation and confirm once the necessary corrections have been made. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.
Consumer complaint received 2024-09-07
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. (GA)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-10-15
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. (FL)

This is will be my third compliant about inaccuracies on my report. Transunion has been reporting transactions and experience from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated under the fair reporting credit act 15 u.s code 1681a ( 2 ) as provided in paragraph 3 the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report.The above mention accounts are reporting transactions and experiences making the report inaccurate.Transunion has failed to ensure proper procedures to assume maximum possible accuracy of the information being reported. Transunion has failed to provide me before hand of how reporting was verified. What procedures was taken to ensure proper accuracy was being reported.As 15 u.s code 1681a ( 2 ) ( I ) stated the consumer report DOES NOT include transactions and experiences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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. (NJ)

I Have recently received a copy of my ( XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with this company. The line of credit I have with this company, which is characterized as Debt collection on my consumer reports. THIS COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( Debt collection ) on my consumer reports! XXXX this company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX ) Making the report is NOT INCLUDED on my Consumer report! Debt collection is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX Failure to respond satisfactorily with deletion of the above Debt collection, will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX
Consumer complaint received 2024-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I discovered that Capital One has initiated multiple hard credit pulls that I did not initiate via XXXX XXXX, XXXX XXXX, and XXXX XXXX. In addition the use of XXXX Interactive with the numbers XXXX and XXXX have appeared on my credit reports and I have not initiated credit requests from XXXX XXXX this many times. There are in some cases 4 pulls in one month dating back to XX/XX/year>.
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights.

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