davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (TX)

On XX/XX/23 I, XXXX XXXX, held {$4900.00} in my Gemini Trust Company LLC Exchange account. There was a breach of my account that day, and all of my funds were stolen. I submitted a help ticket with Gemini ( Ticket ID : XXXX ) on XX/XX/23 after I noticed the funds were missing. After several weeks, Gemini responded that they do not insure digital assets ( cryptocurrencies ) and I would not be refunded. I responded that I did not have any digital assets stolen and that I was seeking my US Dollars be returned to me. Gemini lists in their terms of service that funds, such as USD, held in a Gemini account are eligible for " pass-through '' insurance, held through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
It has now been over 3 months and I have not received any communications from Gemini regarding this matter since XX/XX/23. I have requested to speak with a supervisor on the matter and I was never provided that option. I have been unable to obtain a phone number for Gemini but the address is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed in a dispute about the wrong middle name, employment history and telephone number ( s ) and hard inquiries that were unfamiliar. I was sent a letter back stating the information I was disputing was not in fact on my credit report at all. The information is still wrong!! My name is not XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. The work history should be my business XXXX XXXX XXXX XXXX. and no other 's on there. I should only have XXXX XXXX XXXX as my number. Also, I shouldn't have but two inquiries on my report and those are XXXX and XXXX these are recent inquiries.
Consumer complaint received 2024-07-17
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. (NH)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-07-18
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. (CA)

( to drop into the comment section of a new claim HERE ) Greetings XXXX, I am requesting immediate XXXX action to remove all of the following hard inquiries from my credit report. 
In XXXX to code 15 USC 1666a : Regulation of credit reports, all hard inquiries made without my approval must be removed within XXXX hours to prevent any further damage against my personal credit history and active business endeavors on behalf of my company. 

PRIMARY DISPUTE : The following inquiries were not authorized by me and must be removed : XXXX XXXX of 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  By way of code 15 USC 1666a : Regulation of credit reports, I standby my rights to a fair & accurate credit report. I would like to express my advance gratitude to the CFPB for protecting my rights. Should this not be removed in XXXX i will follow up with a fee schedule that establishes the amount due per damage to myself, my company, and all other corporate personnel. 
Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the XXXX notice & implementation. 
Please contact me here for any further clarity or assistance. 
CFPB XXXX XXXX Sincerely, By Direction of XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (FL)

I was a victim of the XXXX and XXXX XXXX Breach and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have zero written or expressed consent to have pulled my credit report. I have already filed and FTC Identity Theft report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 

I noticed I left out XXXX inquiry from my dispute from XX/XX/XXXX : XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-08
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. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b 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 2024-07-29
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. (CA)

NQUIRIES FROM EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$12000.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7300.00}
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (PA)

I receieved an email from XXXX that an account opening was attempted to open an American Express XXXX XXXX Credit Card. A month ago, XXXX mailed me a bill as well stating that someone purchased 3 cell phones under my name and social as well and reported it to fraud. Fraud company didn't provide me the XXXX  nor XXXX address from the individual that opened the account or provide me hardly any details that could be pinpointed toward the suspect and asked to hire a lawyer if I wanted further information. I placed a credit freeze on all 3 credit bureaus after the unauthorized account opening with XXXX and this still happened with AMEX. Not sure how this happens with credit freezes.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

XXXX XX/XX/2024 - I got my driving license ( XXXX yrs old ) XXXX XX/XX/2024- We tried to get her Car insurance. Multiple companies rejected my car insurance with reason that I have at fault accidents on her CLUE report LexisNexis XXXX XX/XX/2024 - My Father, XXXX XXXX, Contacted LexisNexis to dispute as our daughter never had any accidents and was not driving before XXXX XX/XX/2024 - Lexis Nexis opened dispute/case XXXX XX/XX/2024 - Lexis Nexis closed the dispute and sent us Clue report/reports. The report has another person, with different date of birth and social security number but with the same name as me. All details pretain to the other person and not me We bough a very expensive Car insurance fin the interim and need help to get LexisNexis to fix my report by removing the other person from her report. The report basically has all history of the other person
Consumer complaint received 2024-07-29
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. (CA)

XXXX Late payment. XX/XX/year> In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial XXXX. The actions of XXXX have caused undue XXXX to my financial reputation and stability.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- Inquiries -- XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX  - XX/XX/XXXX :
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have contacted Equifax several times regarding XXXX XXXX XXXX  XXXX ( Acct # XXXX ) and XXXX  XXXX ( Acct # XXXX ) being reported inaccurately. Both of these accounts are falsely reporting late payments. I have asked Equifax to verify the late payments on these accounts. The dispute results came back as verified. I requested proof or documentation regarding the late payments on each account. The credit bureau will not supply the evidence. 

In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting that Equifax provide me with a copy of the ( 21 ) day statements that was delivered to me prior to the billing due dates. If an e-statement was sent, please provide a copy of each email correspondence with the e-statement. If the statement was delivered by mail, please provide a copy the documents mailed and include the tracking details and/or return receipt. 

If evidence can not be provided that these late payments are valid and proper notification was provided prior to furnishing these delinquencies on my credit report, then the late payments must be removed from both accounts immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I recently reviewed my credit report and noticed an account reporting that does not belong to me. XXXX XXXX is a fraudulent account and it needs to be removed immediately under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). I am attaching the FTC report that details the fraudulent activity.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (SC)

I hope this complaint finds you well. I have tried numerous times over the years especially the past year to have the credit bureaus accurately verify my account. They keep sending emails about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation that proves these alleged accounts belong to me. Between all three bureaus there are countless violations. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b.

I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ).

I hope this issue can be resolved PROMPTLY!
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (IL)

15 USC 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-08
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2024-07-17
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. (AZ)

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX, DC XXXX XXXX  / XXXX  XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX {$2300.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} 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
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXXt and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (AL)

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX Balance Owed : {$17000.00}