davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (FL)

The following accounts was charged off XXXX XXXX XXXX XXXX XXXXXXXX FIN. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account XXXX : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2024-07-09
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. (DE)

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] In accordance with the above federal regulations and the Fair Credit Reporting Act, I kindly request the deletion of the above late payment. If your office fails to respond to this deletion request within 30 calendar days from the date of your receipt, all references to this late payment must be deleted, and a copy of such deletion request shall be sent to me immediately.Sincerely, Your NameAttach a copy of your ID and a utility bill to serve as address verification.
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-31
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)

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX IN COMPANY ), 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.
Consumer complaint received 2024-07-31
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. (TN)

TransUnion Credit Report showed : Personify credit inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I never made inquiries to those companies at those times. I have been notified that my personal information, including social security number was compromised by a data breach at XXXX XXXX XXXX. So, it is my belief that someone used my personal information to seek credit from these entities. I explained this to TransUnion when I discovered them on my credit report recently. However, I was advised to contact the companies using the contact information listed on the credit reports. When I attempted to contact them, I was unable to speak with anyone who could assist with either investigating or removing the inquiries. I was then advised by TransUnion to file this complaint with this agency.
Consumer complaint received 2022-11-28
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. (NC)

XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A.

I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 168 S-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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has failed to report accurate information to the credit bureau. By law, they are suppose to. My positive payment history has not been reported in months. I have made close to {$3000.00} in payments since XXXX and my balance on all my credit reports has not reflected this. I have no payments due until XXXX because of my very positive payment history of making large payments to pay off balance and interest. Ive contacted them and they told me they have reported my most recent balance in XXXX, but my credit report does not reflect this and have not provided any proof of this. My balance has not been correct since XXXX on all my credit reports. I have had to dispute it on XXXX, but have not had a resolution as of today. I have all the proof in my most up to date balance and payment history. Because of this, Ive not seen improvements with my XXXX. In fact, it is affecting me negatively. They need to taken action by law.
Consumer complaint received 2024-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items.

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently the dispute that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) regarding the validation of the below accounts, they show validated and belonging to me on their records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute mentioned. Transunion as well as XXXX.
Consumer complaint received 2024-07-09
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-09
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. (NY)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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. (FL)

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 accounts 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 accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with XXXX XXXX XXXX XXXX  XXXX. I also opened a case with my bank Chase Bank Claim number : XXXX and XXXX. XXXX says the funds are not in her account, and XXXX XXXX is in possession of the funds. Chase claims they have been unsuccessful in retrieving the funds. I called XXXX XXXX to sort out the recovery of the funds, and they said due to internal procedures they are not able to return the funds directly to me and that Chase would need to file a claim on my behalf. Chase bank refused to contact XXXX XXXX to assist me in retrieving the funds. XXXX XXXX has confirmed that they are in possession of the funds. 

The recovery ID on XXXX XXXX is XXXX XXXX Any intervention will be greatly appreciated. Thank you Please reference previous case # XXXX
Consumer complaint received 2023-11-17
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptlyXXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

There are fraudulent accounts in my profile that needs to be removed. You are violating my right to have an accurate reporting. Remove these as soon as possible. 

XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-07-09
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. (IL)

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 # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # 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 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 2024-07-24
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: EQUIFAX, INC. (FL)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal loan accounts XXXX XXXX  and XXXX currently closed a XXXX XXXX XXXX Account in Collection and 5 inquiries From XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-09
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. (DE)

XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX ], [ Bank XXXX XXXX XXXX [ Bank Zipcode ] DELETE LATE PAYMENT NOTICETo Whom It May Concern : I am writing in regards to the above-referenced account. I demand the following account be deleted from my consumer report.I am disputing the reporting of this account with my consumer reporting agencies, as this account was reported incorrectly. The reporting of this account is in violation of 15 USC 1681 b. The law CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report? Furthermore, the reporting of this account is also a violation of the Fair Credit Reporting Act of 1970 15 USC 1681e [ b ] [ 1 ] [ A ] : ( b ) Compliance and procedures ( 6 ) RESTRICTIONS ON MEDICAL INFORMATION.In the case of any medical information or medical history of a consumer, no consumer reporting agency may report that information or history in a consumer report if the date of access of the information or history by the consumer reporting agency, or by any person to whom the consumer reporting agency has given access to the report, exceeds 365 days.The reporting of this medical collection clearly violates the above law.I did not give you or your company written instructions to furnish this medical collection on my consumer report.Delete this account from my consumer report and send me a copy of the deletion request once completed to my address listed above.Sincerely,
Consumer complaint received 2019-06-18
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. (AL)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Initial complaint below, submitted on XX/XX/XXXX. 
Complaint ID : XXXX REF XXXX - Capital One closed my account on XX/XX/XXXX without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within 90-120 business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the loss that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}.

Capital one issued an insufficient check dated XX/XX/XXXX for {$220.00}. That check was mobile deposited into my XXXX XXXX XXXX account ending XXXX on XX/XX/XXXX at XXXX XXXX. XXXX  XXXX XXXX confirmation of the mobile deposit is XXXX. On XX/XX/XXXX there is a return item chargeback found on my statement for - {$220.00}. A letter came in the mail dated XX/XX/XXXX, indicating a warranty breach and check has been returned on paid. When I called to speak to XXXX XXXXXXXX XXXX, they informed me that this check was insufficient funds and as a charge back. N a now closed complaint with the consumer financial protection bureau, they confirm that they issued and settled with a check, and it was indeed mail to my home for me to cash. The check was deposited in the right amount of time how ever has overdraft my account because they deem it as a chargeback.