davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing a complaint to dispute several accounts that appear on my credit report, which I believe to be inaccurate and not associated with me. Despite my multiple attempts to rectify this issue through your bureau, as well as with the respective creditors and the Federal Trade Commission ( FTC ) website, the inaccurate information still remains on my credit report. I kindly request your assistance in addressing this matter promptly. I kindly request your immediate attention and assistance in resolving this issue. First and foremost, I would like to emphasize that the disputed accounts listed on my credit report, identified below, are not mine : XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX, Despite my diligent efforts to rectify this error, the inaccurate information persists on my credit report, negatively impacting my financial standing and potential opportunities. I have taken the necessary steps to dispute these accounts by sending letters via certified mail, providing supporting documentation, and clearly stating the reasons for my dispute. Regrettably, my attempts to resolve this matter have been met with no response or resolution. I am deeply concerned about the potential implications these erroneous accounts may have on my creditworthiness. It is my right as a consumer, as granted by the Fair Credit Reporting Act ( FCRA ), to have accurate information reported on my credit file. I request that you conduct a thorough investigation into the disputed accounts and take the appropriate measures to remove them from my credit report.
Consumer complaint received 2023-04-22
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)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : XXXX XXXX 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 an account without my written instructions. 
Based on my knowledge I don't owe this creditor
Consumer complaint received 2023-06-17
Product: Credit card or prepaid 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: Self Financial Inc. (GA)

I reached out to self financial whom I have a credit with and I informed them that my card had been compromised and I needed to dispute about 6 transactions from Florida. They took my dispute and mailed me a new card but are still charging me for the fraudulent charges that dont belong to me. I never received a dispute kit, they just stated the charges were mine because I kept checking the app to monitor any fraudulent transactions from the state of Florida. I was in a bad car accident and no form of transportation until XXXX. Ive disputed it many times and even wrote letters to self and received no response back on how to get rid of the fraudulent transaction that are hurting my account, credit history and payment history.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. XXXX XXXXXXXX XXXX XXXX XXXX does not belong to me.
Consumer complaint received 2024-09-18
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)

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. 

Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

dispute letters have been mailed to XXXX, Equafax and XXXX with accurate proof of payment and no action has been taken by the credit bureau to correct the inaccurate information in records to the XXXX account who reported false information. Attached to my complaint is proof of payment along with proof of the dispute letter being sent. Attached is proof of autopay being setup on XXXX  XXXX  as well. the payments were not late.
Consumer complaint received 2023-05-17
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (LA)

My name is XXXX XXXX, a federally protected consumer and Im making this Complaint against Radius Global Solutions LLC for committing identity theft. I have never given Radius Global Solutions LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 1692c ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until Radius Global Solutions LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them and also provide me with your errors and omissions insurance number. Are you licensed and bonded to collect in the state of Louisiana? I provide proof Im requesting all information. If this documentary evidence can not be produced and Radius Global Solutions LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and Radius Global Solutions LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and Response are both Requested and Required. Radius Global Solutions LLC
Consumer complaint received 2023-04-22
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. (PA)

I am writing to file a complaint against EQUIFAX for violating the Gramm-Leach-Bliley Act ( GLBA ) and causing me significant harm to my credit reputation. 
In XXXX of last year, I discovered that EQUIFAX had included inaccurate information on my credit report, which had caused a significant drop in my credit score. Upon further investigation, I discovered that EQUIFAX had not verified the accuracy of the information they had reported, as required by the GLBA.Despite my repeated attempts to dispute the inaccurate information, EQUIFAX failed to correct it in a timely manner. This caused significant financial harm to me as I was denied credit opportunities that I would have otherwise been qualified for. I also suffered emotional distress and a loss of trust in the credit reporting system. 
I believe that EQUIFAX actions not only violated the GLBA but also breached their duty of care to me as a consumer. I am seeking compensation for the damages caused by their negligence, including financial losses and emotional distress.Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : XXXX ) XXXX- # XXXX ( # XXXX ) XXXX ) XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX 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  I also request that EXQUIFAX be held accountable for their actions and take steps to ensure that such a breach does not happen again. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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. (CA)

XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXX of XXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this information.
Consumer complaint received 2024-09-19
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. (PA)

I recently view my credit report and noticed there were inquiries that I did not authorize which constitutes and Identity theft. I filed a Identity theft complaint " see attatched ''. I have included the inquiries within the complaint. I will also include them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I have 2 accounts with Synchrony - a Mattress Firm/Home Credit card and a XXXX XXXX XXXX XXXX. I have NEVER been late and have always been on time. However, over the past 2 years, they have decreased my credit limit so much that it lowers my credit score, due to utilization. And since it lowers my credit score, they justify lowering my limit even more. For example, I now have a card I last used in XXXX. My original credit limit was {$5000.00}. My credit limit now is {$2000.00}, but I owe {$3200.00} because I could not pay the purchase in full in 12 months. So it shows that I'm over my limit, which decreases my credit score. My Mattress Card Credit card 's limit was {$6000.00}, and they reduced the limit over time to {$1300.00}. Again, every payment was paid on time. I paid the card off, and they closed the account just when I was about to use it again. This closed account has lowered my score again. When I asked, they said my XXXX XXXX was in the XXXX. Who uses XXXX XXXX to determine credit? NO ONE! They did not use XXXX XXXX to determine my credit when I first received the card. And my credit score is the same NOW as it was back then, even though I was able to increase it, these actions with Synchrony have lowered it over time. Again, I have no late payments on my credit report and no collections. NONE! My XXXX score is XXXX when they insist that XXXX XXXX  is XXXX. It's not adding up. This is an unfair credit practice. I want my credit limit for XXXX XXXX XXXX, to be at least {$5000.00} so I can get my utilization back. I won't use the card, because I NEVER want to do business with this shady company again. They have also denied EVERY credit limit increase request even though I have NEVER EVER EVER been late with them, nor do I have ANY late payments on my credit report.
Consumer complaint received 2024-10-26
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian** XXXX XXXX XXXX XXXX, TX XXXX **Subject : Dispute of Unauthorized Credit Inquiries- Identity Theft** Dear XXXX, XXXX, and Experian, This letter is to formally dispute unauthorized credit inquiries that have appeared on my credit report with all three bureaus. I have recently discovered multiple inquiries from [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I did not authorize these inquiries and believe this to be a form of identity theft. 

I request that you immediately investigate these inquiries and remove them from my credit report. I have attached copies of [ List any supporting documentation, such as a police report or fraud alert notification ] to support my claim. 

Please provide me with confirmation that you have received this dispute and an update on the investigation for each of my credit reports. I am available to provide further information or documentation as needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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. (GA)

The vehicle in question was purchased on XX/XX/year>, financed by XXXX, repossessed in the state of Georgia. 

Under the laws of UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-10-22
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. (VA)

I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.