davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (VA)

I have tried to reach out to see what the original debt service was. No previous knowledge of an account with debt, only received emails about a debt in collection status. Reached out to find out origin of debt and no information received. I do not recall the debt or loan being applied for/received/paid. No prior knowledge of debt until collection emails started flooding inbox.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XX/XX/ Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (CA)

On XX/XX/year>, I mailed a dispute letter to Experian requesting a detailed description of the reinvestigation procedures for items they had verified as accurate. I included my photo ID, social security card, and a recent bill with my current address to verify my identity and address. 

Experian responded on XX/XX/year> with the following statement : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. Experian 's response indicates that they have not investigated my dispute based on an assertion that my request was not authorized, despite my providing necessary identification and documentation. 

Experian 's failure to conduct a reasonable investigation appears to be a violation of my consumer rights under the FCRA. 

I am including a copy of my dispute letter sent to Experian, along with Experians response, as proof.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (NC)

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have XXXX address : XXXX XXXX  XXXX XXXX XXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXX BANK XXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}
Consumer complaint received 2019-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capitol One has restricted my access to my credit card account.They say they need to verify my identity but all documents that I have sent through their secure email link and fax line have been rejected making it impossible for me to verify my identity to gain access to my account and I have also been forced to put a freeze on my credit and a fraud alert on my credit reports because I have no way of knowing who at Capitol One is gaining access to the documents I have sent so far.Calling their customer service line I am put straight through to their fraud department where due to the heavy accents of the people that answer the call I can not understand most of what is being said and they are convinced I am guilty of some type of fraud for trying to log into my own account with no proof and refuse to do anything to fix this issue and I have been hung up on repeatedly.This credit card account is in good standing and has been open since 2012 with no issues with account until this..The entire time I have had this account they had always acted in a professional manner until this issue now they are acting in a very rude unprofessional manner and refuse to come up with a way to fix this issue.HELP! Please
Consumer complaint received 2024-09-13
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. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-13
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. (NJ)

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 U.S.C 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 States a consumer Reporting agency can not fresh in account without my written instructions 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish Any information relating To a consumer To any reporting agency
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several Inquiries do not belong on my account also student loans you guys keep trying to reopen does not belong to me and it has also been past XXXX days with no notification of you guys adding it on. See both attachments. Correct asap please.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-06
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. (PA)

Hi my name is XXXX XXXX XXXX XXXX. I reviewed my credit report and came across multiple inaccurate fraudulent accounts that must be removed immediately. I am a victim of identity theft and this is my second attempt ro have this information removed. As a protected consumer i know my rights section 605b of the FCRA. Ive provided the necessary documents needed to get these inaccuracies resolved. Thank you
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to communicate my profound concern in regards to a few questioned accounts that remain mistakenly recorded on my credit report. In spite of numerous endeavors to address these mistakes and rehashed demands for a careful examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and essentially thwarting my capacity to have a typical existence. The negative repercussions of these mistakes have caused tremendous difficulties, and I'm left with no decision except for to argue for your nearby help with correcting what is happening. 

I generously demand that you lead a careful examination concerning the detailing of every XXXX of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit record so I might recover command over my monetary prosperity. 

I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue speedily would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently, I reviewed a copy of my credit report ( Transunion, XXXX, XXXX and noticed several inaccuracies that negatively impact my ability to obtain credit. I understand that credit bureaus are required to investigate and ensure the accuracy of the information they report. 
I am requesting that you investigate the following account on my TransUnion report to verify its accuracy : ** XXXX XXXX XXXX XXXX AccountNumber : [ XXXX ] TypeofAccount : Loan ( don't have a car with this company ) Subject : Dispute for XXXX XXXX XXXX XXXX Lack of Recognition Iamdisputing charges with XXXX XXXX XXXX XXXX as I have no knowledge or recognition of the transactions in question. 

AccountNumber : [ XXXX ] TypeofAccount : [ Credit Card paid off completely ] XXXX XXXX XXXX AccountNumber : [ XXXX ] TypeofAccount : Collection Subject : Dispute for credit collection service- Lack of Recognition I am disputing charges with credit collection service as I have no knowledge or recognition of the transactions in question. 
This account is inaccurate and should be removed from my credit report immediately. Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), credit bureaus must investigate and correct any inaccuracies within 30 days. Additionally, 18 U.S.C. 8 defines obligations and fraudulent activities involving financial documents, which may apply to this erroneous account.

the are charge off dates that keep changing 2 yrs ago and still reporting as current
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Unauthorized inquiries appeared on my credit report this morning, and I have no clue why. I checked my credit report as usual, but this time, there were unexpected discrepancies. Refreshing my browser didnt remove the inquiries, suggesting it wasn't a technical issue. Hence, I am requesting that the documents Ive provided be thoroughly examined to prevent future concerns.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX showing # XXXX XXXX showing # XXXX TransUnion showing # XXXX * Disputed charge off balance error with all three bureaus XX/XX/XXXX * Disputed that the account was incorrectly being reported as a charge off with a balance due, XX/XX/XXXX I asked that I be mailed proof of the investigation and proof of the negative payment status, no documentation was received. 
* Disputed missed payments on XX/XX/XXXX. TransUnion showing no 30, 60, or 90 day missed payments. XXXX showing ( 1 ) 30 ( 1 ) 60 and ( 19 ) 90 day missed payments, while XXXX is showing ( 1 ) 30 ( 1 ) 60 and ( 3 ) 90 day missed payments. All three reports are inaccurately reporting false information how can XXXX XXXX XXXX  show no late payments and the others are showing several late payments? 
* On XX/XX/XXXX I asked for statements and records of all payments made and missed, I also asked for Validation with the creditors and any documentation associated. Nothing was sent to me by mail or email. 
* XX/XX/XXXX asked for a Status Verification Request. No results.
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These inquiries are a result of identity theft, i keep mentioning this to the bureaus they have done nothing. i demand they be removed in the next 24 hours or it will result to litigation against them
Consumer complaint received 2024-08-22
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. (MO)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple requests, the inaccuracies in these accounts have not been addressed, and I have yet to see any resolution or corrective action. These errors are causing significant harm to my credit file, severely affecting my ability to live a normal life. 

The impact of these inaccuracies has placed me in a difficult situation, and I am left with no choice but to urgently seek your help in resolving this matter. I kindly request that a thorough investigation be conducted into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-10-31
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit. These accounts I don't recognize nor authorized, and they are being reported by a third-party company.
Consumer complaint received 2024-08-22
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. (PA)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX Account Number : XXXX Description of Inaccuracy : I dont owe XXXX no money I never had their service Explanation of Dispute : Fraudlent activity discovered on my account.Somebody used my information to start a XXXX account Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. 
Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card. I linked my XXXX XXXX XXXXXXXX checking account and XXXX XXXX equity account via ACH to Capital One via Capital One. Capital One reported no issue and transfers from XXXX XXXX XXXXXXXX work correctly. I initiated a new transfer on XX/XX/XXXX from XXXX to pay the Capital One account, Capital One credited my account on XX/XX/XXXX, however XXXX did not show the corresponding debit as the ACH transfer request did not process correctly, so Capital One debited/reversed the amount on XX/XX/XXXX then locked my account. I paid off the Capital One credit successfully instead via XXXX  XXXX XXXX so have XXXX balance left with Capital One. Capital One refuses to release my accrued Rewards amount and insists on showing them " proof of payment '' from XXXX, but since it was never processed at XXXX and they reversed it on their end all I could show was the XX/XX/XXXX XXXX statement showing no activity with Capital One. Multiple calls have failed to resolve this, I believe they simply do not want to pay out the Rewards value and are using this event as an excuse to not pay me the accrued Rewards value. There was no fraud as I am the owner of both accounts, there were sufficient funds in the sourced account, the mistake was entirely on their end ( they credited a value before confirming the transfer was successful, and incorrectly said the ACH was setup correctly when it apparently was not ) and they are asking for proof of a payment that does not exist so is impossible to fulfill. I strongly recommend that all customers should avoid engaging in any business whatsoever with Capital One, toxic combination of mendacity and incompetence.