davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
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. (FL)

The List of accounts below 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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed to 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2017-07-18
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. (AL)

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.  XXXX   XXXX   XXXX . This is an account that I have no knowledge of and it is not my debt! There are  XXXX   US Departme nt of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.  XXXX  is also reporting twice. These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Consumer complaint received 2017-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Many fraud charges appeared on the card.
Card company ( Capital One ) removed all of them.
But a month later card company added one back and said in a letter, " I 've found no indication of fraud. '' Three phone calls and one live chat later, they refuse to remove the charge that is fraudulent.
They advertise heavily on TV 100 % fraud protection, but they are violating both their own advertising and the law.
The charge :   XXXX   XXXX    XXXX  #  XXXX  Transaction DateSunday,  XXXX / XXXX /2017 Posted DateWednesday,  XXXX / XXXX /2017 DetailsMovies Appears on your statement as :   XXXX   XXXX   XXXX    #   XXXX    XXXX  FL   XXXX   US
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a fee schedule Ill be suing cfpb and trans union in federal court I have exhausted all remedies I have the right to sue for XXXX XXXX each depravation of my civil rights notice of violations I will be including in the summons violation of securities exchange act and Im also going to whistleblow to the United States treasury tax inspector get them involved in my federal case violating under false claims act!!!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-25
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-25
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)

When I noticed the inaccuracies on my report this afternoon, I initially thought it might be a browser glitch. I refreshed the page, hoping the problem would disappear, but it remained. The incorrect accounts persisted even after reloading the page.
Consumer complaint received 2024-10-02
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. (MD)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2017-07-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

I have had   XXXX   Credit card for some years now which is with Comenity Bank. On   XXXX   XXXX   2016, I went to have a free consultation with   XXXX   XXXX   XXXX   The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of   XXXX   Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had  XXXX  and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with   XXXX    credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.
Consumer complaint received 2024-10-02
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. (CA)

To Whom It May Concern at TransUnion, I am submitting this complaint to request the blocking of information on my consumer credit report as permitted by FCRA 605B ( 15 U.S.C. 1681c-2 ) due to identity theft and fraud. I ask that you take action to remove this fraudulent information within four business days of receiving this complaint.

The inaccurate accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX300.00} These accounts have led to numerous fraudulent collections appearing on my credit report. I do not recognize any of these accounts or collections, and I affirm that they were not initiated by me.

Attached to this complaint, you will find a copy of my consumer FICO credit report, which highlights these fraudulent items, as well as a copy of the FTC Identity Theft Complaint ( Case Number XXXX and XXXX confirming that these accounts are a result of identity theft. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-29
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. (VA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 


2. XXXX  XXXX XXXX XXXX Account Number XXXX Please remove this information on my credit report. 




3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Account Number XXXX Please remove this information on my credit report 6 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 

7 XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXX XXXX Saw XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was fraudulently charged a subscription fee {$4.00} for a service or product I never ordered.
I phone my credit card company because of unauthorized charges I found. I was advised to close that account due to possible identity theft. and I agreed and to get another card reissued.
In concert with that re-issue, the call center for Capital One GM Card credit cards submitted an unauthorized subscription for :  XXXX  '' I do not know what this is.
I called  XXXX  at the number on my statement  XXXX  IL, on  XXXX / XXXX /2017 and spoke with "  XXXX  '' and then to a Supervisor "  XXXX  '' to have the unauthorized charge removed and they refused to credit my account.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (MD)

I received a phone call from NCC about a dept owed to   XXXX   XXXX  . They stated I owe {$490.00} and they have been sending notifications and calls. They stated they have me at   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  MD  XXXX . I told them that is not my correct address and I moved from there in  XXXX  2016, I live at a different address. It I still live on the property. They dismissed it and stated it 's about to be reported to the credit bureaus if I do n't make a payment now. I asked them why was n't I notified in a timely manner, and I just got laid off. I do n't have anything as of right now and if they can at least give me two weeks until my appeal comes back from unemployment. They stated they could not only if I can post date a check. I told them I 'm not trying to pay them unintentionally, but I do n't have a job and I need to wait for unemployment. He could not provide me with a date it will be reported nor did he ask for my correct address.
Consumer complaint received 2024-10-25
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. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-08-01
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. (NV)

This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.
Consumer complaint received 2023-03-28
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. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, ( Equifax,  XXXX ,   XXXX   ) I contact   XXXX   XXXX   but they could not trace any information. neither they would able to help me the issue please refer to credit report attach, I have tried to fix the problem with the credit bureaus but no luck please see Equifax response.
Consumer complaint received 2017-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I used Wellsfargo  XXXX  to send money to my mother. I wrote her name and typed in a phone number to transfer the money. Turns out the name and number did n't match, because there was a typo in the phone number. The money was still sent. I immediately called them right after the transfer before it even completed. They waited two weeks before giving me a resolution and just told me according to their research the funds are now gone, and even though the name and the phone number did n't match Wellsfargo still transferred the funds and there is n't anything they can do about it, unless the person voluntary gives it back???
Institution : Wellsfargo Application :  XXXX  Amount : {$500.00} Transfer :   XXXX   XXXX  , 2017 Action :   XXXX   XXXX   2017 - opened claim   XXXX   XXXX  , 2017 - reopened claim Spoke to a banker, he 's trying to file another claim to the internal resolution team and advocate for me I forced them to reopen the claim after they closed it, when they told me they tried " calling '' the other financial institution and that was it. Even if I was take this person to small claims, Wellsfargo will not provide me with documentation of the information of where the money was transfer to so I can take the person to court. So long story, short they are leaving me high and dry. They told me to handle it myself but even then they are not providing me with much information to handle the situation myself.
The general attitude was tough luck to me. I have a personal banker that I encounter that is trying to advocate for me but it seems bleak. I do n't know why they sent my money even if the number did n't MATCH THE NAME!