davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NV)

I was on a dating site called XXXX, I met a fake investor I fell for, ( the butcher pig scam of XXXX ). I lost the disputes with my credit card, XXXX XXXX. And XXXX  XXXX XXXX. They did not reverse the credit card like most stores do .because crypto is a one way transaction. A fake site was on XXXX XXXX XXXX XXXX. They won't help. Crypto .com n XXXX XXXX won't go after the thieves. And the XXXX XXXX police dept. Won't go aft. Not even freeze the wallet .the FBI I have not heard of. I wan na sue. Crypto.com.for ties to XXXX. Crypto com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the TV news channel that let crypto .com pretend there a American company, including XXXX XXXX XXXX actor for endorsing them.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-20
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. (CA)

This serves as my follow-up complaint as a victim of identity theft. I recently lodged a complaint dated XX/XX/XXXX, disputing items in my file associated with the crime. The contested items have no relation to any authorized transactions for goods, services, or money. Kindly expunge the reporting of these items from my credit file. Enclosed is my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXX I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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. (CA)

I am writing to file a formal complaint against ( XXXX XXXX Account # XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and to seek relief for the distress and financial harm caused by their actions. 

Complaint Details : ( XXXX XXXX Account # XXXX ) Date of Incident : XX/XX/year> Nature of Complaint : Multiple errors and inaccuracies, Method of investigation, How did you verify this account as accurate? 

Inaccurate Reporting : ( XXXX XXXX Account # XXXX ) has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : ( XXXX XXXX Account # XXXX ) did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with ( XXXX XXXX Account # XXXX ) and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : ( XXXX XXXX Account # XXXX ) added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information.

Impact : The actions of ( XXXX XXXX Account # XXXX ) have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability. 

Requested Resolution : Method of Verification : I request that ( XXXX XXXX Account # XXXX ) provide the method of verification used to substantiate the alleged debt and their reporting of this account. This includes all documentation and evidence they have regarding this debt. 

Re-investigation : I request a thorough re-investigation of this account and its reporting. This includes verifying the accuracy and completeness of the information being reported. 

Immediate Deletion of Account : If ( XXXX XXXX Account # XXXX ) can not provide adequate verification and substantiate the accuracy of the reported information, I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that ( XXXX XXXX Account # XXXX ) adheres to the Fair Credit Reporting Act.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX XXXX XXXX removed the said account on their records. I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-20
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. (IL)

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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-05-29
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. (NC)

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 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (GA)

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not recognize these credit inquiries. And I have ask for them to be remove and the bureau did not do as I ask. I am providing identity theft report and I am requesting them to be remove because there are inaccurate and they are not mine.
Consumer complaint received 2023-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I disputed items inaccurate on my credit report. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2024-01-20
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. (CA)

My ex husband fraudulently used my social security to obtain a loan from XXXX ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from XXXX and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX a full beauty brand - Comenity XXXX XXXX account number ending XXXX. 

I've spoken to this company on several occasion and have been assured all will be cleared up.It is not cleared up! 
I purchased 2 sweaters XXXXXXXX XXXX using a new community XXXXXXXX account ending in XXXX. On the same day I received the 2 sweaters, I brought them to XXXX ( as per XXXX XXXX ) to be returned since they were of an inferior quality. I then continued to be billed, eventually including fee after fee. Minimum payment request after minimum, I've spoken to them on several occasions since. 
** They have reported late payments to the credit bureaus. My credit score was close to XXXX before they began reporting these payments as late. I eventually ( XX/XX/2023 ) sent a {$5.00} payment hoping for them to stop adding to the ruination of my credit rating. 

Comenity could be fraudulent as Community is the way it is pronounced.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I asked for proof of verification of late payment on account in the form of visual proof sent to me of documents. instead they reported the account as open in XXXX and XXXX which is not true as well as a charge off status and a balance of updated as of XX/XX/XXXX all of those things are untrue. They changed it to report many errors nothing reported on this report for this account is correct. This account was not even open between the years of XXXX and XXXX. Under the FCRA they must delete the account if they can not accurately verify and report the information. The reporting of this inaccurate and recent fraudulently reported late payments are very damaging and are holding me back from getting a mortgage approved which in turn allows me to request financial compensation of {$1000.00} per violation, which happens to be 22 violations through the court. 
XXXXXXXX XXXX XXXX Account number XXXX
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: TRUIST FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX 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/2015, it's been 9yrs, this is now considered a legend Account. Per my agreement with XXXX they should have deleted when my final payment was made! I've been disputing this for years now.
Consumer complaint received 2024-01-20
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)

There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX  XXXX XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXXXX/XX/XXXXXXXX  XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
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 have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to TransUnion. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the XXXX data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Consumer complaint received 2023-05-28
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: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX and XX/XX/XXXX I was alerted on my mobile XXXX XXXXXXXX app that a new inquiry was listed under my name from JPMCB CARD from XXXX and JPMCB CARD SERVICES from XXXX and I never opened any more inquiries through my name so it looks like someone tried to run my credit file without me knowing and I was wanting to get those inquiries took off from under my name because it dropped my credit score down.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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.

Dept of EducationXXXX has all 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (IL)

They failed to notified me on this information. This supposedly happened in XX/XX/XXXX and the Iq Data says it is XX/XX/XXXX and there was absolutely no notification of this depth. 
Also Iq Data is charging interest every month, In. Previous cmplete the state they are not a collection agency that is why they can charge these fees, this is a lie in violation. They are a collection agency and charging illegal fees to consumers. Where in the contract they claim to have say they can collect interested. They have failed to show proof of this, and provided this agency false information saying they are not a collection agency.
Consumer complaint received 2024-01-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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