davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-08-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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: Experian Information Solutions Inc. (CA)

I am in complete disbelief, there are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report. This is causing me tremendous anxiety.
Consumer complaint received 2024-09-18
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. (NJ)

I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Consumer complaint received 2024-09-18
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. (FL)

I have in the past months attempted to reach out Experian in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Consumer complaint received 2024-09-18
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2023-08-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NJ)

I formally submitted a debt validation request to MRS BPO on XX/XX/2023. None of this information has been provided to me. I also received no notice of my right to dispute this debt. The debt is for {$99.00}. I originally cancelled my services with the original creditor and paid what I thought was my last bill in full. Apparently they attempted to bill me again, but I had changed payment information and moved out of the current residency they were sending bills to.
Consumer complaint received 2024-10-10
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. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANS UNION XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my address, fraudulent account and inquiries located below ; XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/year> TRANSUNION The consumer credit report maintained by you was not opened, made, or initiated by me. From the wrong addresses, fraudulent account, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-08-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (MS)

I have communicated to XXXX XXXX that I was victim of identity theft and elderly financial abuse. I have provided them the requested information to show that I did not cosign a loan that was fraudulently taken out by a relative name XXXX XXXX. XXXX XXXX started taking out loans in my name in XXXX and ended in XXXX. I was not aware of any of these loans that total around {$85000.00}. The loans were a combination of students loans from XXXX XXXX ( {$70000.00} ) and loans taken out at two credit unions ( {$15000.00} ). The two credit unions after receiving the same exact information that I provided to XXXX XXXX  removed my name from the loans. However, XXXX XXXX  has refused to do so, stating that after their investigation that they can not " conclusively '' say that they I did not take out the loans. I specifically stated to XXXX XXXX that I did not take out the loans and only found out about the loans when my credit limit was denied and ultimately terminated from one of my legitimate creditors. Furthermore I pointed out to XXXX XXXX that they make easy for fraud to take place and extremely difficult for victims to be made whole. Because of the XXXX XXXX loans still listed on my credit, I have suffered the closure of a credit account and a decrease of XXXX XXXX from the XXXX 's to the XXXX 's. Also it should be noted, that out {$87000.00} debt that was listed on my credit report only {$2000.00} was mine, the rest was fraud. Now I am not only still suffering from the tactics and harassment of XXXX XXXX financially but also psychologically. XXXX XXXX have their agents relentlessly harassing and threatening with default of the loans. Yet, they are dismissive of the evidence that they initially requested to remove my name from these loans. I found out in XXXX  about these loans have been working with not only the creditors but law enforcement to remove my name and press charges against my relative. This has been a great ordeal on me because so much of this is time consuming and stressful and not to mention that this is a cyber crime that makes it all the more challenging.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have had this credit card since XXXX. I had credit repair lady trying to help me get my credit fixed, and disputed the XXXX  XXXX credit card. It took me months to get that card back on my credit report! And now that it was finally placed back on my report theirs XXXX late payments???? There should not be any late payments, I have disputed this so many times. With TransUnion & XXXX XXXX XXXX It was fixed XXXX and now it backs to XXXX late payments which is not helping my credit! I sent in proof to TransUnion of their dispute results a few months back that shows all payments OK meaning none late, but when I call them they are like you will just have to submits a dispute online thats all we can do! If I have the paper FROM TransUnion stating NO LATE PAYMENTS then thats exactly what it should be on my credit report! They like giving the run around to the public because they know eventually they will give up trying! But I will not! By law im intitled to an accurate credit report & TransUnion isnt doing their job!
Consumer complaint received 2023-07-04
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-10
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Inquiries from Credit Report Dear CFPB, I am writing to formally request the removal of two fraudulent inquiries from my TransUnion credit report. The inquiries in question are from XXXX, dated XX/XX/year>, and XXXX, dated XX/XX/year>. These inquiries do not belong to me and are the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against the inclusion of inaccurate information in their credit reports, and any fraudulent inquiries must be removed upon request if proven to be unauthorized. I have attached a Federal Trade Commission ( FTC ) identity theft report that lists these inquiries, confirming their fraudulent nature. 

As the FCRA stipulates, if an inquiry is identified as fraudulent and does not belong to the consumer, it must be promptly removed from the credit report. Since I have provided proof that these inquiries are fraudulent, I respectfully request that you take the necessary actions to have them removed from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

DeptOfEd XX/XX/XXXX - {$4800.00} DeptOfEd XX/XX/XXXX - {$3300.00} DeptOfEd XX/XX/XXXX - {$6900.00} DeptOfEd XX/XX/XXXX - {$1200.00} DeptOfEd XX/XX/XXXX - {$2200.00} DeptOfEd XX/XX/XXXX - {$2400.00} DeptOfEd XX/XX/XXXX - {$1100.00} DeptOfEd XX/XX/XXXX - {$2400.00} DeptOfEd XX/XX/XXXX - {$6900.00} DeptOfEd XX/XX/XXXX - {$3700.00} ALL ACCOUNTS MARKED AS MISSED PAYMENTS ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) AND IS INACCURATE
Consumer complaint received 2024-10-10
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. (AL)

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.

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 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX Interest Balance Transfer Direct Deposit offer initiated on XX/XX/XXXX XX/XX/XXXX {$3.00} Interest charge XX/XX/XXXX {$7.00} Interest charge XX/XX/XXXX {$2.00} Interest charge Payments made in full before statement closing date. Bank of America applied payments, which I made for purchases, towards Balance Transfer Balance offer and proceeded to charge me interest on purchases. Agent stated that since I made the payments before my statement close date they were not applied to the purchase made in that statement period. Since they decided to apply these payments to a balance that isn't due for XXXX XXXX they charged me interest on all purchases made during the statement period. This has been on-going for 3 months now.
Consumer complaint received 2023-08-03
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. (MI)

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.

has violated my rights. Or list of inquiries 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-08-03
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: Affirm Holdings, Inc (WI)

Affirm account number XXXX is reporting late payments, XX/XX/2023 which is in violation of my federal rights. 

15 U.S. Code 1666b - Timing of payments.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part D 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I am writing to express my deep concern and disappointment regarding my recent experience while attempting to open an account at capital one bank XXXX XXXX XXXX, I tried to open a new checking XXXX account, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in XXXX but i ignore it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. 

As a responsible and law-abiding citizen, I have never encountered any issues in opening accounts at other financial institutions. Hence, this unfortunate incident has led me to believe that there might have been some form of prejudice or discrimination during the account opening process at your bank. 

I must emphasize that discrimination based on race, ethnicity, gender, or any other protected characteristic is both unethical and illegal. Such practices go against the principles of equality and fairness that our society upholds. I find it distressing that an institution as reputable as yours would engage in such behavior. 

I kindly request a thorough investigation into the matter to determine the reasons behind the denial of my account application. Furthermore, I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that your bank complies with all anti-discrimination laws and regulations. 

I trust that your institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.
Consumer complaint received 2024-10-10
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. (NJ)

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 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.