davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I am writing to inform you of a serious matter involving XXXX XXXX XXXX XXXX XXXX that has reported inaccurate and fraudulent information on my credit report. XXXX XXXX XXXX, XXXX, has forged my signature on a fictitious medical document and submitted a billing statement containing incorrect information. I believe their actions not only constitute a violation of forgery laws, but also a breach of my rights under the Fair Credit Reporting Act. 

Details of the fraudulent activity include a fictitious document titled " Patient Registration & Financial Acknowledgement Form '', created by the company themselves. As a result of this situation, I am disputing the legitimacy of any debt related to this collection agency and request that you promptly investigate and remove this erroneous information from my credit report. 
Attached are copies of the Forged Document, created by themselves, as well as the billing statement containing incorrect information. 
I kindly request that you take swift action to address this matter in accordance with the FCRA, and consider this a serious matter with disputing this information from my credit report.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank fails to investigate fraud, or protect consumer accounts. They continue to refuse acknowledging their gross negligence in protecting the security of my account, as this credit card was used without my knowledge and my fraud claims fall on deaf ears. " XXXX XXXX '' from the last response put zero effort into resolving this issue which I wil bring forward again until it is resolved. 

I opened a credit card in XXXX and made one purchase on XXXX. Shortly after, I destroyed the card. In XXXX Synchrony allowed this credit card to be used without verifying that the buyer had it in their possession. Since the card was long gone, there is no way the buyer could enter the 3 digit security code on the card. I was not prompted via XXXX, and once I learned of the charges months later, I have been reporting fraud ever since through their fraud line, and no one has corrected it. It took multiple outreaches for them to close the card at my request, and they continue to open new accounts in my name with new account numbers, making it imposisble for their customer service people to locate the account to assist. 

Instead of correcting their mistake, they have snowballed interest and fees on this small balance for over two years, creating a bill of almost {$400.00}. 
My Amazon account is a shared account, as is the laptop, and this is not an uncommon practice among amazon users. 

After 2+ years they will not disclose proof that I was without a doubt involved with these XXXX purchases. They can not show proof because there is NONE.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MD)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX  XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-07
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. (CT)

This morning, I found unauthorized inquiries on my credit report and don't understand why. My regular check of the report revealed unexpected discrepancies. Refreshing my browser didnt help ; the inquiries remained. I ask for a thorough review of the documents Ive sent to resolve this issue and alleviate my concerns.
Consumer complaint received 2024-09-10
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. (IL)

After reviewing my credit report from TransUnion XXXX and XXXX credit bureau I notice three credit card companies on my report that I did not authorize nor do I have knowledge of inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure the possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be verify the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX accounts immediately
Consumer complaint received 2024-09-08
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. (CA)

Dear TransUnion, I, XXXX XXXX XXXX is am writing to formally dispute the accuracy of an account listed on my TransUnion credit report as of XX/XX/XXXX. The account in question, reported by XXXX XXXX District Attorney 's Office with the reference number XXXX, is erroneous and has been reported without proper validation or legal authority.

Details of Disputed Account : Original Creditor : XXXX XXXX District Attorney ( Child Support Enforcement ) Account Type : Open Account Date Opened : XX/XX/XXXX Balance : {$46000.00} as of XX/XX/XXXX Status : 120 days past due as of XXXX XXXX Monthly Payment : {$0.00} Past Due Amount : {$0.00} Reasons for Dispute : Lack of Due Process and Judicial Order : The child support debt reported in this account lacks a valid judicial signature and does not meet the due process requirements as set forth by 28 USC 1691. No evidence of a proper court order authorizing the enforcement of this debt has been provided. Without valid legal authorization, this debt should not be included on my credit report.

Violation of Fair Debt Collection Practices Act ( FDCPA ) : This alleged debt has not been validated under the provisions of 15 USC 1692g. I have not been provided with the necessary documentation, including a judicially signed order, proving the legitimacy of this debt. Without validation, the inclusion of this account on my report violates the FDCPA.

Failure to Verify Information as Required by the Fair Credit Reporting Act ( FCRA ) : Pursuant to 15 USC 1681i ( a ) ( 5 ), credit reporting agencies must verify that all information reported is accurate and substantiated. This account can not be legally verified due to the lack of proper court documentation and validation, making its inclusion unlawful.

Request for Action : I am requesting that TransUnion immediately take the following actions : Remove the Erroneous Account : Delete the XXXX XXXX XXXX account ( Ref : XXXX ) from my credit report due to the lack of validation and improper legal documentation.

Notify All Parties : Notify all parties who have accessed my credit report in the last six months of this correction, as required by the FCRA.

Provide Written Confirmation : Once this account is removed, provide me with written confirmation of the deletion.

Please consider this letter a formal dispute under 15 USC 1681i ( a ). If this matter is not resolved within 30 days, I reserve the right to pursue all legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil action under the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (CT)

Diversified XXXX XXXX  collections is not my account and this is fraudulent and I believe ever source is part of this problems and they never even told me what it was until I investigated myself and this is identity thiefs and what a XXXX XXXX XXXX XXXXXXXX for me to fix I did starte a police case working with XXXX XXXX  in XXXX XXXX XXXX Im hoping this XXXX is hard to believe these collections get away with this
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (FL)

I have called Equifax several times between XX/XX/year> - XX/XX/year> asking to have a dispute from XXXX XXXX XXXX deleted from my account. I need the dispute deleted in order to move forward with the equity application for my mortgage. During my last call on XX/XX/year>, I read an entire email from my lender stating I just spoke with Equifax and instead of removing the dispute they just changed the status of the dispute ; the other XXXX credit agencies removed the disputes ; can you please call Equifax XXXX more time and ask them to remove the dispute completely instead of changing the status. I was given confirmation # XXXX at the end of that call. As of today, the dispute remains on my credit. I submitted a complaint with Equifax today without a response.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

Today, XX/XX/year>, at approxXXXX XXXX XXXX  I called Citi regarding my Costco Anywhere Visa Card by Citi. I requested to establish paperless. I was informed by the representative via phone that I would have to do that online. I proceed to do that online and was not able to perform that action via my online account.
Consumer complaint received 2024-10-09
Product: Credit 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: JPMORGAN CHASE & CO. (CO)

XXXX ( dollar XXXX XXXX XXXX charged me {$630.00} in " late fees '' for " loss of revenue ''. This charge is because while driving the car was hit and totalled. I paid to get the car towed back to the closest XXXXXXXX XXXX XXXX lot. XXXX needs to 1. Charge this " loss of revenue '' fee to insurance and 2. Provide actual proof that they infact lost revenue due to not having any other vehicles available. XXXX charged this to the CC on file and I have tried to dispute this with Chase. Chase did no background research and said that XXXX provided them a contract stating I would pay late fees. This is accurate, I would pay late fees 'in the standard course of business ' should I keep the car out longer than the contracted period. However, this is not the standard course of business as the car was returned, but totaled, and this needs to go through insurance. Chase dragged their feet and never actually provided any answers unless I called and as such they are now stating that the timeline to close a dispute has passed and there is nothing more that can be done.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. Please delete 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
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : Equifax, XXXX, XXXX ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX and XXXX XXXX XXXX. I keep getting automated responses - filing complaint for
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-30
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. (GA)

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ), I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

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 a auto loan account opened at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer 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 andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 2023-09-06
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. (GA)

I am victim of identity theft and I am requesting for XXXX to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ( IT HAS PASSED THE SEVEN YEARS MARK PLEASE REMOVE IMMEDIATELY. IT HAS BEEN OVER SEVEN YEARS ). BALANCE : XXXX XXXX. XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

MD Code, Commercial Law, 2-725 2-725. Statute of limitations in contracts for sale.1 ) An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued. By the original agreement the parties may reduce the period of limitation to not less than one year but may not extend it.

( 2 ) A cause of action accrues when the breach occurs, regardless of the aggrieved party 's lack of knowledge of the breach. A breach of warranty occurs when tender of delivery is made, except that where a warranty explicitly extends to future performance of the goods and discovery of the breach must await the time of such performance the cause of action accrues when the breach is or should have been discovered.

( 3 ) Where an action commenced within the time limited by subsection ( 1 ) is so terminated as to leave available a remedy by another action for the same breach such other action may be commenced after the expiration of the time limited and within six months after the termination of the first action unless the termination resulted from voluntary discontinuance or from dismissal for failure or neglect to prosecute.

( 4 ) This section does not alter the law on tolling of the statute of limitations nor does it apply to causes of action which have accrued before Titles 1 through 10 of this article becomes effective.

15 USC 1681 ( e ) b ( b ) ACCURACY OF REPORT 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 reports relates.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

XX/XX/23 I reported an incident of fraud to my bank- Citibank XXXX This incident occurred on XX/XX/23. I was told that I would receive a provisional credit within 2 days, and that an investigation would take place for the next 45 - 90 days. After 2 days, I called back and was told that a provisional credit would be provided within 10 days. At no point was I contacted for additional information. 

XX/XX/23 I received a letter from Citibank saying that they have reviewed their records and verified that my money could not be returned, even though this was a fraudulent transaction, Citibank has the account information for the person who committed the fraud, and I was reassured that an investigation would happen. At no point was I asked for the documentation that I have to prove that this was a fraudulent transaction. 

I desperately need these funds returned in order to continue my business and for an investigation to happen to help prevent this from happening to other people.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (OK)

I noticed collection activity on my credit report for IQ DATA INTERNATIONAL not once but XXXX times. I attempted to dispute the debt and asked for validation of these accounts. The only thing I received was a bill from XXXX XXXX  which will not suffice as a contract of proper validation. I have no knowledge of these debts from XXXX XXXX, The XXXX  or XXXX XXXX. I have already filed an identity theft report. I have records of my social security number being breach and I have reported identity theft in the past. Please assist in removal of these unauthorized accounts as they reflect negatively on my credit report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this Public Record : chapter XXXX bankruptcy XXXX Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX if you can not provide me with this informations in 15 days delete this inacurrate Public Record off my credit and send me a copy of my updated credit report.

I also spoke to the clerk at the US Bankruptcy court and they do not gives information to data furnishers
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: EQUIFAX, INC. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure