davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( Accounts ) : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-07-01
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. (NJ)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-01
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your bureau and company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to the creditors along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this credit bureau and credit companies are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to the bureau and the creditor companies notifying them that these listed accounts are fraud. My information isnt protected and this credit bureau or creditors are not honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau and all these creditors, these companies and credit bureau did not honor my rights or acknowledge my supporting documents regarding identity theft. All these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from creditors, and assisting to furnish wrong and fraudulent accounts. I demand all accounts and inquiries be removed as soon as possible.

P

LEASE REMOVE ALL FRAUDULENT UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT. Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.
Consumer complaint received 2023-12-01
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX Balance Owed : {$28000.00}
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX, XXXX and equifax are reporting information from a creditor that I had transactions and experiences with and I did not give the company authorization to communicate any of that info with this XXXX party agencies. I need the unauthorized info to be removed and or updated immediately. 

These are my written instructions, as the consumer, which the report is in connection with. 
According to 15 U.S. Code 1681b a consumer report may be furnished ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-08-13
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (CA)

Bright money app continuously keeps taking money out of my account for their stash feature on the app. I have told them countless times to stop taking money out of my account. My stash has been XXXX  for months and its still pulling money out of my account. At this point Im not sure what to do to get them to stop.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc (MD)

I realize Affirm is a loan and not really a credit card, so please forward my complain to the proper channels. 

I Made a purchase using Affirm on XX/XX/XXXX at XXXX XXXX for {$1000.00}. Returned merchandise on XX/XX/XXXX. Continued to make payments on the purchase until return was processed by Affirm. Made 2 payments of {$340.00} on XX/XX/XXXX and XX/XX/XXXX. i called Affirm twice to request a refund of payments. They said my bank refused the refund ( strange because they had no triple pulling the payments from my bank ), so were sending a check. Check has still not been received. I called today and the system notes a refund by check on XX/XX/XXXX but it has not arrived. 

I would like a check sent by overnight mail as they are holding my funds now for months.
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

My federal consumer rights are being violated, This is my formal request for the deletion of the alleged outstanding debt referenced by your agency in accordance with the HR5180 amendment, section 101, paragraph 3 Amendment of the Fair Credit Reporting Act, which reduces the time period that most adverse credit information stays on consumer reports from XXXX  years to XXXX years. 

Please find the details of the debts in question : XXXX XXXX  XXXX XXXX - Alleged Amount Owed : {$5400.00} - Date of Debt : XX/XX/XXXX XXXX XXXX  XXXX - Alleged Amount Owed : {$1700.00} - Date of Debt : XX/XX/XXXX Both of these negative alleged debts are greater than XXXX years and therefore are considered inaccurate and according to USC Title 15, Section 1681s-2, creditors and credit reporting agencies have an obligation to accurately report information on consumer 's credit reports. Any continual violation of reporting inaccurate information will result in possible remedy and legal action.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan motor services is from XXXX, I was in good standing and it was paid off. I understand negative accounts can stay on file for 10yrs but this account isn't one. I'd like it deleted from my credit report asap. I recieved my auto loan XX/XX/, it's been 9yrs, this is now considered a XXXX  Account. Per my agreement with Nissan they should have deleted when my final payment was made! I've been disputing this for years now.
Consumer complaint received 2024-02-13
Product: Credit card — Store credit 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: CITIBANK, N.A. (DE)

On XX/XX/XXXX I applied for a Home Depot credit card to purchase windows for my property. I was approved, I received a receipt for the transaction and on XX/XX/XXXX a HD representative arrived at my property to take measurements of the windows. Home Depot advised that I would receive the windows within 6-8 weeks. Within XXXX week, I received a credit card statement to pay for the window purchase and the first payment was due on XX/XX/XXXX. I called the bank issuer to advise that I had not received the product I purchased, therefore I did not understand why a payment would be due, but they advised that this is their policy and that I needed to dispute the issue with Home Depot. On XX/XX/XXXX, after numerous calls to Home Depot ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX ), I received an email advising that the measurements for my windows had been received and that my windows would be ready within 6-8 weeks. Meanwhile, I have been making monthly payments for a product I am still not in receipt of. The company has been uncooperative, unresponsive and illegally demanding payment for a product that they are refusing to deliver. Unfortunately, I'm forced to continue making payments so that my credit rating will not negatively be affected and I'm being forced to pay for a product I'm not going to receive. The Home Depot is not willing to reimburse me for their inability to abide by their contractual agreement which is to provide the product that I paid for with 6-8 weeks after the measurement of the windows. This problem is a financial burden for me and Home Depot is not cooperating nor are they responsive. Home Depot is illegally stealing money from me and I need for this to stop and get rectified.
Consumer complaint received 2024-07-01
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. (NC)

Around XXXX XXXX XXXX, I conducted an investigation of my credit report and found several items on there to be inaccurate. I sent the following request to Experian To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 

My current employer ( s ) : VF Corporation.

There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. On XX/XX/2024 at XXXX XXXX  I also made a call to Experian asking the representative to remove the inaccurate information. The representative refused to do so, even though I provided my correct spelling of my name, and correct addresses. ( Please ask for recording ). 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any informed dispute by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-12-20
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX, Equifax, XXXX I have been disputing information on my credit report for the last few days, XXXX, XXXX XXXX, XXXX is out of business, XXXX is out of business, I've paid all XXXX accounts off on time there was no chargeoffs, account is wrong, The credit bureaus have the wrong addresses, wrong names, XXXX has XXXX social security numbers, All three bureaus have wrong names and addresses, and jobs I'm retired The credit bureaus needs to do better.. I would like for the XXXX accounts to be deleted off of my credit report. XXXX sent my account to lender who is the lender
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX XXXX should have XXXX balance after 20 plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have ten years of eligible employment for the FMLA from XXXX XXXX XXXXXXXX XXXX, State of IL IDES and Dept of the Treasury IRS. Yet XXXX just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in XXXX and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing, I have disputed these negative accounts several times but Equifax has refused to delete them please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
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)

The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

Hello, my name is XXXX XXXX and I am a victim of ID Theft. The following accounts were fraudulently opened in my name and are still being verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-12
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. (IL)

In regards to Freedom Card Chase bank, I submitted a billing dispute noting that there was a balance in excess of {$1.00} and requested a refund of that amount per 15 U.S. Code 1666D. I received no response from Freedom Card. They have denied me use of my card and stated they would charge this alleged debt off. They are send fraudulent information regarding this account stating I owe them when Congress has determined that the balance is owed me. Account # ending XXXX.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

I have made several attempts to get an old student loan account deleted from my credit report. I sent a dispute letter to all 3 credit bureaus on XX/XX/XXXX asking them to remove all accounts associated with my old student loan. It is one loan that shows up as 12 different accounts. These accounts are well beyond the reporting limit according to FCRA regulations and also have been consolidated ( XXXX ) AND XXXX ( XXXX ). The consolidated loan also shows up on my credit report, which creates a duplicity. In XXXX of XXXX this same student loan was XXXX due to me being deemed 100 % XXXX by the XXXX  XXXX XXXX XXXX. On XX/XX/XXXX, I sent another dispute letter asking them to remove the inaccurate information from my report. I have yet to receive a response to either of my letters.
Consumer complaint received 2023-04-03
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. (OR)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am XXXX XXXX, and XXXXm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.