davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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)

I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Consumer complaint received 2023-09-16
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: CITIBANK, N.A. (CA)

On XXXX first. I use my citibank credit card. On my card there is a monthly flex plan. U can by items and pay it off monthly. I order from XXXX and bought items. These r the charges I am disputing. XXXX. After I purchase this items I check my citi credit transaction. When I seen this charges individual charge. Not saying under the flex plan. I thought they were fraud. So I cancel my card. And filed a fraudulent complaints. This is the month of XXXX. After they did the investigation on those charges it turn out they were legit charges. So they reverse XXXX charges on XX/XX/XXXX. But I told they were right. Even tho charges wasn't fraudulent I am also currently paying those charges in my flex monthly plan. So they r trying to recharge for those item that I am currently paying for now. I been calling the last three week. Trying to get them to credit me for those reverse XXXX charges that's under my flex monthly plan. They being literally lying to me saying they r going to credit me those charges. And since they r trying to rebilled me for item I am still paying off. Under the flex plan. Ever time I call I been told that they will credited me those charges. And have not done anything to credit my account back. Which Has made me go over my credit limit. That's is messing up my credit. By being over my credit limit. I am constantly being transferred to department to department. Having to repeat this over and over again. And nothing Been resolved. And my credit report is being affected by those charges. That I am all ready paying for under my monthly flex plan. I can prove this by my documents from my acct.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I obtained an automobile loan for a XXXX XXXX XXXX VIN XXXX ( See attached Florida Vehicle Registration ) from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX, United States I pay {$400.00} every XXXX weeks ( See attached receipt for XX/XX/XXXX payment ). As of the report of this complaint, they have not reported the loan to XXXX, XXXX, Equifax.
Consumer complaint received 2023-10-26
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. (NY)

XXXX, XXXX and Equifax are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and also to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$360.00} XXXX XXXX date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$300.00} XXXX XXXX XXXX date opened : XX/XX/XXXX balance : {$680.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX balance {$360.00} date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX balance : {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$360.00} date opened date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$2000.00} XXXX date opened : XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc. (TX)

Hello! We have been trying to reach you to discuss your XXXX XXXX XXXX XXXX account ( # XXXX ), now owned by NCB XXXX XXXX XXXX XXXX, a debt collector. 

Phone : XXXX Email : XXXX Self-service : https : //payonline.ncbi.com NCB File # : XXXX www.ncbi.com/knowrights www.ncbi.com/importantinfo Text STOP to opt-out Keep sending text over and over again
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AZ)

On the initial notice of debt from Hunter Warfield, I responded with a proof of debt verification on XXXX I received confirmation of my request and was told that they would be gathering all the information I requested. I never received any other phone call, email or mailing regarding this debt until XXXX  The email sent on XX/XX/XXXX did not include any proof of debt. 
When I reached out to Hunter Warfield on XXXX requesting information on our past email correspondences and the proof of debt, I was told I needed to get a court order for the emails and was disconnected from the representative.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am adding documents or information that were missing or as directed by the support team : per case file number XXXX, originally submitted by me on XX/XX/year> and responded by Equifax on XX/XX/year>, with a request for a valid TRAFFICKING VICTIM DETERMINATION DOCUMENT/ENTITY, in order to promptly block the trafficking related adverse items originally listed in the original submission. 

ALL DOCUMENTATION ORIGINALLY SUBMITTED ALONG WITH THE UPDATED VICTIM DETERMINATION DOCUMENT WILL BE UPLOADED WITH THIS COMPLAINT AS SUPPORTING DOCUMENTS.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Re : unverified account XXXX  XXXX Account XXXX please mail me a check in the amount of {$4000.00} Dear Consumer Relations at Experian, I have sent XXXX previous letters to you, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

In eary XXXX of 2024 I filed a dispute against a merchant, XXXX XXXX for a delivery I did not receive, I notified the Merchant and also proceeded to file a dispute with American Express. Did not here anything from American Express until they sent me a pdf that included a statement from the merchant and a decison that I was responsible. Why would Amex not provide this information to me before making a decision? I sent 2 emails ( attached ), one on XXXX and one on XXXX regarding this dispute to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX Chairman and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX On XXXX I received a message saying I was still responsible. I refuted what the XXXX told Amex and its clear through the email exchange that he is not being truthfull. Amex is placing the entire burden on me when there has been nothing from any USPS investigation.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

The issue started when I tried to log in to my Experian account last month. I knew my password but it wasn't working. So I tried everything to reset it but nothing else was working either. It didn't recognize my phone number. When I tried to reset my username, the email address that link was sent to was not mine. I tried to get ahold of Experian but it is not possible to actually speak to someone on the phone. So I sent them a XXXX message requesting help. 

I then tried to sign up as a new user and had success. While it helped me in the short term, the fact that anyone could do this is probably why my account got hacked in the first place. I sent Experian a message through my new account detailing the situation. 

I first got a response from the XXXX route requesting more information which I sent quickly. They asked if it was still a problem since I was now able to get into my account, ignoring the fact that it had been hacked and nothing was stopping that from happening again. 

So I responded with a list of pointed questions, trying to collect information about how someone could have changed my email and phone without them informing the original contact info about the change, when this happened, etc. They ignored all my questions and just wiped out my login account, which included wiping out their access to the information needed to respond to my questions. They forced me to fax all my relevant documents before I would be able to reopen my account. 

Lastly, I was told the XXXX department would reach out when the process was complete so I could make a new account. I didn't hear anything after XXXX weeks so just tried to make a new one and it worked.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and on XX/XX/XXXX I mailed to TransUnion an identity theft report which included a letter explaining and detailing the information in my report that is fraudulent, a Federal Trade Commission Affidavit, along with proof of my identity, social security card and proof of my address. I've spoken with a representative on XXXX XXXX at TransUnion and confirmed that they received my report on XXXX XXXX and that they did not process my request because it appeared that the information came from a third party. I explained to the representative that the report did not come from a third party, that it came directly from me. That I sent my ID Theft report to TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. The rep stated to me that he will attach my report to the fraudulent accounts to be processed for blocking of the fraudulent information and that it would take four days for processing. It is now XX/XX/XXXX and the fraudulent information still appear in my credit reports. A rep named XXXX from TransUnion called me today to follow up and advised me to re send the information again to them, because they were not going to proceed with my request, because TransUnion is saying it came from a third party, but it didn't.
Consumer complaint received 2023-09-16
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.
Consumer complaint received 2024-08-15
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. (MD)

My rights have been violated. I have a right to privacy. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit. Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-05
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. (AL)

I'm written this complaint because I am a victim of fraud and the company name are XXXX XXXX in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX they remove the fradulent account but Equifax I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to Equifax I want it remove from my credit report this not my account
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-16
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. (GA)

I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XX/XX/2023. 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.