davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (TX)

Dear Sir/Madam I am writing to file a formal complaint against the XXXX major credit reporting agencies ( CRAs ). For their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized accounts on my credit reports from all three reporting agencies. Specifically the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Upon realizing this, I contacted the XXXX and provided them with necessary documentation to prove that these accounts were a result of identity theft, including a police report and FTC Identity Theft Affidavit. XXXX. Failure to XXXX XXXX XXXX ( 15 U.S.C. s 1681c-2 ) Under the FCRA, XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to block the reporting of information that resulted from identity theft within XXXX business days of receipt of appropriate documentation, the CRAs have failed to block the fraudulent information on my credit reports. XXXX. Failure to Conduct a Reasonable Reinvestigation ( XXXX XXXX XXXX XXXX ( a ) : The FCRA mandates that CRAs conduct a reasonable investigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without proper investigation, in violation of XXXX XXXX XXXX XXXX ( a )
Consumer complaint received 2024-07-22
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. (TX)

Dear Sir/Madam I am writing to file a formal complaint against the XXXX major credit reporting agencies ( CRAs ). For their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized accounts on my credit reports from all three reporting agencies. Specifically the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Upon realizing this, I contacted the XXXX and provided them with necessary documentation to prove that these accounts were a result of identity theft, including a police report and FTC Identity Theft Affidavit. XXXX. Failure to XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) Under the FCRA, XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to block the reporting of information that resulted from identity theft within XXXX business days of receipt of appropriate documentation, the CRAs have failed to block the fraudulent information on my credit reports. XXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C s 1681i ( a ) : The FCRA mandates that CRAs conduct a reasonable investigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without proper investigation, in violation of 15 U.S.C s 1681i ( a )
Consumer complaint received 2024-07-21
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)

Dear Sir/Madam I am writing to file a formal complaint against the three major credit reporting agencies ( CRAs ). For their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). I discovered unauthorized accounts on my credit reports from all three reporting agencies. Specifically the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon realizing this, I contacted the CRAs and provided them with necessary documentation to prove that these accounts were a result of identity theft, including a police report and FTC Identity Theft Affidavit. 1. Failure to Block Fraudulent Information ( 15 U.S.C. s 1681c-2 ) Under the FCRA, specifically 15 U.S.C s 1681c-2, credit reporting agencies are required to block the reporting of information that resulted from identity theft within four business days of receipt of appropriate documentation, the CRAs have failed to block the fraudulent information on my credit reports. 2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C s 1681i ( a ) : The FCRA mandates that CRAs conduct a reasonable investigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without proper investigation, in violation of 15 U.S.C s 1681i ( a )
Consumer complaint received 2024-08-08
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. (AZ)

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Update to Open/Never late there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Update to Open/Never late
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I received a letter from a debt collector, dated XX/XX/year>, stating that I owed a debt of {$4300.00}. I responded with a debt validation letter on XX/XX/year>. The debt collector responded on XX/XX/year> with only a few requested information. The information sent to me was not enough to validate the debt and so I resent my debt validation letter, dated XX/XX/year>, highlighting that the requested information that are still outstanding. The debt collector did not respond to me, but instead proceeded to file a report on my credit report, even though I did not ( and still have not ) validated the debt.
Consumer complaint received 2024-06-19
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. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Ph : ( XXXX ) XXXX Todays Date : XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Regarding Non-Receipt of Authorized Check Dear USAA XXXX XXXX XXXX, I am writing to formally address a serious issue regarding a check that was supposed to be issued to me in the amount of {$130000.00}. According to my records, this check was authorized by XXXX XXXX, the CFO at USAA, and was scheduled to arrive on XX/XX/XXXX. Unfortunately, I have yet to receive this check, and I am deeply concerned about its whereabouts. 

The absence of this check has not only caused significant financial strain but has also had a detrimental impact on my mental well-being. I kindly request that you refrain from denying any disputes regarding this matter, as the situation has become life-threatening and has led to considerable stress. 

Given these circumstances, I urge USAA to investigate the situation promptly. If the check has been lost or stolen, I ask that you issue a replacement check as soon as possible to alleviate the difficulties I am currently facing. 

I appreciate your attention to this matter and look forward to your swift response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I had sent 2 letter to Experian about Fair credit reporting Act Section 609.. the last letter was sent on XX/XX/XXXX ( certified ) and first letter was sent on XX/XX/XXXX ( certified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

LIST ACCOUNT NAMES AND ACCOUNT NUMBERS 1.  XXXX XXXX XXXX XXXX - {$2300.00} Revolving Negative 2. XXXX XXXX XXXX XXXXXXXX XXXX Revolving Negative 3.  XXXX XXXX XXXX USA N XXXX XXXX - Revolving Negative 4. XXXX XXXX Revolving Negative 5. XXXX XXXX Revolving Negative 6. XXXX XXXX Revolving Negative 7. XXXX  XXXX Revolving Negative 8. XXXX. XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX that are NOT valid 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX   XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information within 30-45 days, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN XXXX DOB XX/XX/XXXX
Consumer complaint received 2019-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: IQOR US INC (IL)

I did not receive a summons to appear in court to challenge or defend my self from XXXX XXXX XXXX and Allied Interstate LLC. As I understand, these entities needed to file a case and receive a court order to garnish my wages and that I am supposed to receive a summons to challenge or defend myself in court. The wage garnishment is not lawful because XXXX XXXX XXXX and Allied Interstate LLC. did not provide prior notice.These garnishments are causing financial hardship and may cause me to lose my apartment.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

This is a follow up on a XX/XX/year> A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account as far as I remember. However, a transaction was made from my XXXX  under the same citi credit card issue I have complained about it being used not under me. I have asked for investigation from Citi. Citi bank enclosed a letter declining my request for refund and removal from my profile and adamant that I received benefit from this transaction. I have went to a citibank location and they refused to help. I filed complaints to dispute this transaction and citibank decided to turnover to a debt collector - XXXX XXXX XXXX XXXX  to sue me for owing them a debt.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
Consumer complaint received 2023-05-31
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am writing to express my concern regarding an unauthorized inquiry on my credit report by Bank Of America. Upon reviewing my recent credit report, I noticed that an inquiry was made by your company without my authorization or knowledge. I contacted Bank of America on XX/XX/year>. I never received a response. It has been over 60 days. I went to the police station in my area and filed an affidavit with an officer. I want the inquiries removed immediately. This unauthorized credit pull is a serious violation of my privacy and has negatively impacted my credit score. I have not applied for any credit or services that would warrant such an inquiry, nor have I given permission for my credit report to be accessed by Bank Of America.
Consumer complaint received 2024-08-28
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. (VA)

removal of negative information from my credit report under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Removal of Negative Information, XXXX XXXX XXXX Account Dear, TransUnion I am writing to formally dispute and request the removal of inaccurate negative information from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 



I have recently reviewed my credit report and identified the following entries that I believe to be inaccurate and harmful to my creditworthiness. 
1. negative remark, Paid for less than the full balance. The account was paid and closed. Paid for less than full balance doesn't have a permissible purpose remove those negative remarks immediately. If that negative information isn't removed from my credit report I will pursue legal action. 


I have enclosed copies of supporting documents that validate my claim. 

In accordance with the FCRA, I request that you remove the negative information from my credit report. I would appreciate a written/email response confirming the outcome of your investigation. 

Thank you for your prompt attention to this matter. If you require any further information, please feel free to contact me at XXXX XXXX Sincerely,
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I closed my business account on XX/XX/year>. A representative told me it would take 7 to 10 business days to process. XX/XX/year>. I called Huntington customer service. Representative says I can only close in a branch. I do not feel safe going in-branch given my condition just to close an account, and I am far away from a branch. Most other banks allow account closings over the phone or via secure message.
Consumer complaint received 2024-06-27
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2019-07-20
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have a new address on my credit report as of XX/XX/XXXX. I was notified by XXXX XXXX  this morning. I filed a dispute and was directed here. Someone picked up my wallet at work and took all my cards and ID.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

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 XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).
Consumer complaint received 2024-08-08
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed 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. and according to the 15 USC 1681s-2 they are supposed to 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 accounts is inaccurate.