davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my XXXX XXXX business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a XXXX money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the XXXX by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.
Consumer complaint received 2024-05-21
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. (MS)

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from an incorrect reporting but I still have ITEMS left that needed to be removed. I recently conducted a review of my recent credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request, and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX. Please remove these inquiries at your earliest possible convenience, as I am going to be applying for a mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/2020 in the amount of {$900.00}, XXXX XXXX XXXX XXXX opened XXXX in the amount of {$300.00}, XXXX XXXX XXXX XXXX, XXXX opened XXXX XXXX In the amount of {$18000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed the account on my credit report. I disputed and XXXX XXXX responded with US Patriotic Act ( which details for the company to keep records ). 

XXXX XXXX has not validated or verified the account is mines.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WA)

I have a Coinbase account that I am unable to log in to manage my account I have been following all instructions provided by Coinbase to log in to my account, and have completed numerous manual validation checks which checks my drivers license and takes a video of me. Even though I am validated each time and successfully enter my email and password, the XXXX factor authentication ( XXXX ) system never accepts the XXXX Coinbase XXXX code. I have deleted and updated this XXXX app numerous times. Nothing appears to be working and there isn't a way to reach a person until you have fully logged into Coinbase which I have been unable to do.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1974 Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OK)

I called on XX/XX/XXXX  to Synchrony Ashley in regards to my account being closed for my Mortgage not being paid. I was told that they couldnt open my account because it was reported closed by the credit bureau. I told them that I paid and that I was XXXX XXXX military and this account shouldnt have been closed because I paid and they said that it not nothing they could do to help me. I also told them that I was charged extra interest on my account which caused this account to over the limit and they told they would look into doing the Service Civil Relief Act for me. The problem is the account was closed inappropriately and it has caused problems with my credit and I need someone to fix this.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (GA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX XXXX  Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-08
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. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-21
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. (TX)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. With this, I am asking for your assistance to correct the account : XXXX XXXX AUTO XXXX Balance : {$7500.00}.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} & XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2024-05-15
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. (IL)

I discover some negative items on my credit I contacted the company several times to remove it, but I have no response I would like for this to be removed. Immediately is bringing a negative connotation on my credit profile.
Consumer complaint received 2024-09-12
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)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$2000.00}
Consumer complaint received 2024-09-12
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)

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 XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-22
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)

This is my first 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 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX  XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX & XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

LEXIS NEXIS is reporting my personal financial information to the National Credit Reporting Agencies : XXXX, XXXX XXXX XXXX as well as reporting my insurance information and transaction history to multiple providers without my knowledge or consent. They have also reported Bankruptcies in violation of the FCRA. I have been severely damaged and been kept from accessing my credit when I needed it the most! During the Hight of Covid I wasn't able to get my XXXX loan nor a small business loan because according to the lenders information reported to the major CRA 'S was provided by this junior CRA that I'm only just learning about! Why did you do this? Who paid you to report this and who told you it was okay to damage me and interfere with my ability to get things done for my personal, family and household purposes. You have broken the law and I demand remedy!!!
Consumer complaint received 2024-09-10
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. (FL)

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


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 2024-05-20
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. (TX)

After reviewing my credit reports, I noticed numerous errors ( XXXX Inquiries ) found on my credit report. These unauthorized Inquiries are causing hardship and actual damages violating section 1681b for permissible purpose and 1681c for information contained in consumer reports. XXXX, XXXX, and Equifax has violated compliance procedures under 15 U.S. Code 1681e & Privacy Act of 1974 ( 5 U.S. Code 552a ). 
You XXXX, XXXX, and Equifax have thirty days ( 30 ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In addition, urgently produce and deliver a contract between you XXXX, XXXX, and Equifax and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf.