davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I did a search for XXXXXXXX XXXX XXXXXXXX and saw purchase tickets. I clicked on it and paid for 3 tickets for the XXXX XXXX it even had a layout of the seats. I never received the tickets. In the month to follow I then developed a XXXX on my XXXX XXXX and was unable to travel. I originally explained that I had not received my tickets which I never did. Then I called to say I had not received my tickets and I had a medical reason that I could not travel. 


Dear Capital One I have enclosed the following documents : Sales Invoice from Tickets Center I was never informed about any cancelation policy nor have I ever seen or was offered any of the documentation attached to your letter dated XX/XX/XXXX from XXXX XXXX. 
On XX/XX/XXXX I Pressed the contact button from the email I received on XX/XX/XXXX to explain I never received the tickets. 
On XX/XX/XXXX I received a response from a company XXXX XXXX. 
When you go to XXXX there is where they list that there is no cancelation policy the documentation attached to your letter dated XX/XX/XXXX. 
As I dug further to try to find a live person I found out that a company in XXXX  owns XXXX and the company in XXXX has a phone help desk which is out of the XXXX. 
When I called the customer service I discovered the customer service rep was from the XXXX and did not understand what I was saying. All she did was continue to read a script You have already received your ticket I told her no I did not and to prove to me that I had received my tickets. She than no longer wanted to talk to me and hung up. 

I called the XXXX XXXXXXXX XXXX Ticket office to talk to them about my tickets. I was then transferred to the manager XXXX her direct number is XXXX. She said they were having a lot of problems with customers being tricked and the tickets were already sold to a XXXX XXXX and that is why I had not received the tickets. XXXX said she would be more than happy to talk to the credit card company. 

I dont know what more I can say except I got scammed and found our 3 different companies are involved. Capital One came back and sent me a letter stating my dispute with XXXX XXXX had been denied.
Consumer complaint received 2024-08-13
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. (TX)

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 XXXX XXXX  : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$220.00} Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$70.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-08-10
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. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8800.00} XXXX  XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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
Consumer complaint received 2024-08-13
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 identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-25
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-07-13
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-25
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (NY)

Dear Federal Deposit Insurance Corporation, My name is XXXX XXXX, and I'm reaching out to you because of the lack of empathy and respect I've experienced from Discover Bank. I run XXXX XXXX XXXX, and recently I was robbed at a XXXX XXXX  while buying some personal items. My bag was stolen, and inside were two phones, my medicine, cash, and cards with PIN numbers. 

After my mother passed away, I had a XXXX  XXXX that left me XXXX  for over two weeks, causing XXXX XXXX XXXX. Because of this, I struggle to remember things like PINs and passwords, so I write them down to keep with me. 
Losing everything in that bag was a huge setback. 

My medicine, which I can't miss a dose of, was gone, and I'm now dealing with issues at the pharmacy to get it replaced early. Since my phones were stolen, it took me a day or two to contact Discover because my entire life was on those phones. 

I had to request new devices from my phone company, and while I waited for them to arrive, I was using my XXXX to lock and unlock my card as needed, which was extremely frustrating. I filed a police report right away and provided all the information to Discover, but it seems that wasn't enough. Discover Bank denied my claim without much concern. I don't often make ATM withdrawals, so the unusual activity should have been a red flag. 

When I called Discover to file a dispute, the representative didn't even suggest locking my card or issuing a new one. She didn't even bother to check if my card was locked, showing how careless they were. Instead, she just asked what documentation I could provide to support my claim, without any real interest in what had happened to me. I tried uploading the police report while on the call, but my internet was slow. 

She grew impatient and told me I didn't need to stay on the line to submit it, so I uploaded the report after the call. After nearly a week with no updates, I called today, XX/XX/year>, to check on the status of my dispute because I need a debit card. I hadn't received any email or notification about a decision. 

When I originally opened the dispute, I was told I wouldn't be issued a new debit card until a decision was made, yet Discover Bank had the audacity to deny my dispute and close my claim without even informing me. 

They claimed they sent the decision by mail, but when it benefits the bank, they usually send it electronically. It seems unfair that when it's in my favor, it has to be in the mail.. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
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. (GA)

IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

The listed companies have access to very sensitive personal information without permissible use or written authorization from me, the consumer. I have no account attached to these inquiries nor did I secure a business relationship with any of the following companies. They are misleadingly and inaccurately reporting to my credit report and are damaging my financial reputation. 

Cease and Desist further reporting of the following hard inquiries. Remove these inquiries from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THESE INACCURATE HARD INQUIRIES TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 


DO NOT SHARE MY PERSONAL INFORMATION WITH THESE COMPANIES! IMPERMISSIBLE PURPOSE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX
Consumer complaint received 2024-07-13
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. (PA)

I REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT BECAUSE I CAN STILL SEE THEM ON MINE EVEN THOUGH I HAVE NO ANY KNOWLEDGE REGARDING THOSE INACCURATE ACCOUNTS.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX. This is not a third party submitting this. I have been denied from moving my family into a home, because I was told that I had so late payments and delinquent accounts on my credit report. I would like a copy of the internal records of these reports because it is not accurate. And if the records can not be produce. Please remove the inaccuracies immediately. For it is damaging my reputation.
Consumer complaint received 2019-12-18
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated
Consumer complaint received 2024-07-13
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)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

on experian my name is being reported incorrectly. It is reporting as XXXX XXXX XXXX when it should be XXXX XXXX XXXX or XXXX XXXX XXXX. I also asked that only my correct address be reported on my report but experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX. The only address that I ever lived and is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have provided proof of this address and experian has not updated the report instead they sent me a stall letter eventhough I sent the document I will attach below.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, 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. (DE)

I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
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. (OK)

On XX/XX/year>,, I made Equifax aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} that they are reporting on my credit report. Ive requested, Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

XXXX XXXX XXXX has access to very sensitive personal information without permissible use or written authorization from me, the consumer. They are not licensed to collect a debt in my state or have reasonable purpose to contact me about an alleged debt. 
Cease and Desist further reporting of the following accounts. Remove this account from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THIS ACCOUNT TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 

XXXX XXXX XXXX XX/XX/year> Acct : XXXX The " debt validating '' paperwork sent to me was not SPECIFICALLY in alignment with 15 USC 1692g. Held no actual proof this is a valid debt owed by me. 

DO NOT SHARE MY PERSONAL INFORMATION WITH THIS COMPANY!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (TX)

There was only one closed auto loan with FORD MOTOR CREDIT included but not all account number : XXXX balance {$0.00} opened : EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as XXXX, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

There was never a contract between the XXXX  XXXX XXXX ASSUMED NAME : XXXX XXXX XXXX and FORD MOTOR CREDIT or any variations of or any titles or names derived thereof. There was never a consummation, no liens and no financing statements. See the attached Exhibits. FORD MOTOR CREDIT XXXX, XXXX, XXXX, XXXX XXXX has violated 15 USC 1681a ( exclusions ) and and other consumer data collecting agencies and/or companies ; are at fault for permitting improper data furnishing. The EXPERIENCE ( HISTORY ) BETWEEN CONSUMER and CREDITOR IS EXCLUDED from CONSUMER REPORTS. The CONSUMER REPORT is prescribed to reflect the full story and character of the natural person which is why it consists of INTERVIEWS of ones neighbors, associates & friends. When did you send me the details of these interviews, the names of who you spoke to?