davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This company put a fraudulent credit card on my credit reports, for like {$230.00} as a charged off account after 30 days???? It was confidently charged off after I had contacted them refuting this account and debt as mine, and then they just charge it off as bad debt? To spite me Im sure, because I have read 1,000s of complaints about Capital One doing fraudulent activities such as this to 1,000s of other people.! I already filed a complaint against them that I never opened this account to begin with, and now they are trying to make it worse by saying that its charged off as bad debt nowI will NEVER DEAL WITH THIS COMPANY EVER AGAIN IN MY LIFE.! My personal information was stolen, along with my personal belongings, such as my wallet and phone, which had my SSN card among other identifying information, which I know was used for a lot of other fraudulent activities, because Ive had to get other account la removed for the same thing. And as per advice from my attorney, so have given this one and only time for Capital One to rectify this situation. By deleting this fraudulent account off of my credit reports ( XXXX, XXXX, XXXX ) IMMEDIATELY! Or litigation will commence against them, and they will be sued to the fullest extent of the law allowed.! First and last warning.!
Consumer complaint received 2023-09-16
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. (NE)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-06-05
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. (MO)

I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXX XXXX XXXXXXXX  In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.
Consumer complaint received 2023-04-04
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)

They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (MO)

Greetings, I have been contacted via several emails and a postal letter by : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX The above contacted me about a debt not owed by me for my daughter in her student housing apartment complex, XXXX XXXX, in XXXX, Kansas. My daughter moved out officially on XX/XX/2023, and all utility bills were paid as can be seen in the attached files. If XXXX XXXX didn't acknowledge the payments it's because of the depth of ineptness within the XXXX management ; namely an assistant by the name of XXXX XXXX. 

In a telephone conversation, I asked for details of the alleged debt as nothing specific was mentioned. The letter only states : 'defaulted contract with the company, ' I was told in the letter to respond with a phone call or in writing by XX/XX/2023, to avoid any collection actions. I did so with a phone call. However, contrary to their statement of no action before XX/XX/2023, they had already posted a derogatory comment on my XXXX Credit Report on XX/XX/2023 ; an action inconsistent with their alleged policy. They are ignoble liars. Furthermore, on XX/XX/2023, I was advised in a telephone conversation with XXXX XXXX, a representative of Aldous, that I would receive an email that detailed the amount owed within 24-48 hours, but that never happened. Had I received that letter I would have had the time to respond in writing via overnight express mail, and stopped any collection activities or notifications to credit reporting companies, according to them. But unfortunately, their word and statements amount to nothing more than lies, and misleading letters and phone calls with their representative.

Two issues : The company lied about sending detailed info about the alleged debt. 
The company posted derogatory info to credit bureaus before the deadline to disagree. 

I want Aldous to pay the statutory amount to me as a consumer for their unscrupulous behavior, and remove all derogatory info from my credit report.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (OK)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capitol One 's system apparently " bounced back '' ( their words ) my email. This is the second time it has happened. I called the first time and they said they corrected it. I had the green option turned on so my statements came through my email. I did not get statements for two months, they did not bother to send something through the mail to tell me I had a overdue payment, instead they placed derogatory information on my credit report lowering my rating by XXXX points. The only way I found out was my bank XXXX alerted me to the derogatory report. I looked up the account, immediately paid the past due and called Capitol One. They told me they would refund the late fees but I would have to write a letter explaining the problem. WRITE A LETTER, with all my personal information, ss, dob, credit card number, what are we living in the 19th century? What could possibly go wrong, I have already had my info stolen once. They have acknowledge the problem was on their side, have refunded the late fees but will not refund the extra interest and refused to remove the derogatory information until they get a letter. I want the derogatory info removed NOW.
Consumer complaint received 2023-06-06
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. (NC)

RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1.

2.

3.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, Under the Fair Credit Reporting Act ( FCRA ), you have the right to request that inaccurate or incomplete information be removed from your credit report.

Here are some LAWS! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-10-21
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. (NY)

Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions
Consumer complaint received 2023-10-21
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. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 2023-09-17
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. (IN)

I had an incorrect account on my consumer report. I disputed this account 3 times. They did no investigation on this account. I was never contact nor any of my neighbors or my close family. They were asked to show proof of the results from the investigation, witness etc, but could not provide that information. I'm constantly getting denied for things because my reputation has been ruined. Now they have made changes to the account which is admitting that this account has had false information. Remedy is deserved, due to my reputation being ruined and laws being broken.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX  XXXXXXXX XXXX XXXX  ) Account # ( XXXX ) The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.
Consumer complaint received 2023-09-16
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-05
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: ALLY FINANCIAL INC. (TX)

I dis not apply for these auto loans I do not have a car or a drivers license to even get this i XXXX XXXX did not apply for these loans these loan an they need to be off my account please ALLY FINANCIAL XXXX XXXX XXXX XXXX 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 2023-03-06
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. (SC)

The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (DC)

On Friday, XX/XX/XXXX, I was unable to use my debit card to make a purchase. One with XXXX for {$12.00} and another with XXXX for {$32.00}. I got a message saying that the purchase was declined due to suspicious activity. When I reached out to the company via the app, they would not address the matter as in they would not answer my main question ; What was the suspicious activity that caused my account to be locked. They sent a generic response saying that it was the merchant using foreign currency. I told them that I had used my card before with the same merchant and had no problems before. Then they said that was all the information that they could give me. I reached out and asked if I needed to change my card. They said they couldn't help me any further on the matter. Again I tried to use my card on Saturday at XXXX XXXX for {$15.00} and again at XXXX XXXX for {$9.00}. For the past three days I have been trying to get answers as to 1. Why my account was locked. 2. Why wasn't I notified about the suspicious activity when it was first suspected. And the most important question : How do I get access to my funds? 
I called them this morning and again was given the same answers. They can not help me any further on the matter. Wait for an email that never comes. I have spoken to XXXX, XXXX, XXXX, and two others who did not identify themselves.
Consumer complaint received 2023-06-05
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)

Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX {$580.00} 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