davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion XXXX and XXXX Is continually reporting false information ony credit report. These XXXX reporting is not my debt I have disputes these accounts several times and they are still showing up on my credit report it have been over 30 days and they still there. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these belong to me I have never had account with these company neither owe them money. This is fraud.
Consumer complaint received 2019-06-26
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)

Equifax is allowing fraudulent information to appear on my Equifax Credit Report, that was opened from a thief obtained from a thief as a result of identity theft and I am victim. They also allowed fraudulent inquiries that I have listed below, and have not blocked these fraudulent inquiries that I did not apply for. These fraudulent accounts include. 

1. XXXX XXXX - {$8000.00} Owed Personal loan opened on XXXX XXXX. This is not authorized. 
2. XXXX XXXX XXXX {$9600.00} Balance owed opened on XXXX XXXX Line of credit. 
3. XXXX XXXX XXXX  {$8500.00} Owed Personal Loan opened on XX/XX/2019. 
4. XXXX XXXX {$980.00} Owed. Line of Credit Opened on XXXX XXXX 5. XXXX XXXX  {$490.00} owed. Line of Credit Opened on XXXX XXXX 6. XXXX XXXX {$5900.00} Owed Line of Credit Opened on XXXX XXXX This account is also fraudulent. Not authorized. 
7. XXXX XXXX XXXX {$0.00} Owed Line of credit opened on XXXX XXXX Limit of {$4000.00} Closed. 

Inquiries that are fraudulent. - XXXX XXXX XXXX XXXX XX/XX/XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  - XX/XX/2019, XXXX XXXX XXXX XXXX - XXXX XX/XX/2019, XXXX   XXXX - XX/XX/2019, XXXX XXXX XXXX - XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019, XXXX/XXXX - XX/XX/2019, XXXX XXXX-XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019. 

Information that is not Correct in my personal information. 

Address - XXXX XXXX XXXX XXXX, XXXX TX XXXX Is incorrect and should not be listed on my credit report. My address is as stated XXXX XXXX XXXX, XXXX TX XXXX. I am attaching my drivers license, and social security card, and utility bill. Please correct and block the fraudulent information promptly.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-21
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. (PA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX. 
My correct address is : XXXX XXXX XXXX XXXX XXXX FL, XXXX My employer is : XXXX XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX have requested to be opted out of clarity services. Went online and was unable to do it. So mailed a letter 30 days ago using this address with no response Clarity Services , Inc., A part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX Please opt me out and freeze my clarity report immediately. My information is attached below
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 


These are the accounts in my name that stems from the identity theft : XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX. ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

XXXX XX/XX/year> : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX FIN Account Number : XXXX Account Name : XXXX XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/23, I reached out to Midland Credit Manangement, LLC spoke with XXXX XXXX, in the Concern dept @ XXXX asking for an update on my Identity theft account. Midland Credit Manangement had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer. I immediately went to work with all three Credit Bureaus disputing each account. Midland Credit Manangement had XXXX accounts under my name however only XXXX of these fraud accounts were closed. The third account that went to XXXX XXXX  a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC they have told me back on XX/XX/23, that they needed to recall the account from the law firm. I received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet for the third time. Currently XXXX awaiting a refund however Midland Credit Manangement said the law firm owes me & XXXX XXXX stated Midland Credit Manangement owns the account. Please help me get a refund asap of all monies paid out.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to address the inaccuracies in my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This will mark my third attempt to have the following items removed, as I have identified several discrepancies that need to be rectified.

The first issue pertains to three accounts from XXXX XXXX that are inaccurately listed under one account number ( XXXX ). Despite being two auto loans and one credit card, they are erroneously grouped together. Furthermore, these accounts were sold to a collection agency ( XXXX XXXX  ) in XX/XX/XXXX, resulting in different balances being reported. Despite my request for validation of this debt in XX/XX/XXXX, I have yet to receive any response or validation from XXXX XXXX. 

In addition to the aforementioned discrepancies, I also want to address the 18 inquiries on my credit report that were erroneously placed without my consent. Despite explicitly requesting that my credit not be pulled, a car dealership initiated these inquiries after I provided them with my credit report. The dealership subsequently acknowledged their error and sent letters to the credit bureaus requesting the removal of these inquiries. I have enclosed copies of these letters for your reference.

I am attaching copies of my Driver 's License, Social Security Card, the letters sent to XXXX XXXX  and the credit bureaus, as well as my formal last letter detailing the discrepancies on my report and referencing the applicable laws. 

I urge you to investigate these discrepancies promptly and take the necessary actions to ensure the accuracy and integrity of my credit report. Your cooperation in resolving these matters is greatly appreciated. 

Thank you for your attention to this important issue. I look forward to your prompt response.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

BARCLAYS BANK/BAN REP XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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 XXXX 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 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I wish to dispute the {$710.00} transaction for {$60.00} for the following reason incorrect billing and purported collection of sales tax. Please find information from the Florida Department of Revenue supporting my assertion that the merchant, XXXX XXXX, is not obligated to collect sales tax on cosmetology e.g., hair and nail services, the merchant category code in which they operate. As stated previously, the amount of the original transaction was {$650.00} ( {$600.00} for services plus {$50.00} tip ). Not sure how they arrived at {$710.00}, since that doesnt calculate to the purported 7 % tax, over charging me {$60.00} above what was originally agreed. Barclays claim that they do not have any responsibility to assist in resolving this billing dispute since it was a card present and in person transaction is erroneous. Even Barclay 's own internal records support that the transaction was entered manually several times, with varying amounts. They obviously manipulated the amount after we left the establishment. Either they are guilty of incompetence or intentional fraud, but in either circumstance, I should not be held liable for merchant billing errors.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-16
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. (NY)

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. 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 2023-11-04
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. (AL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-08-16
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)

consumer law 15 usc 1692c this law states if you don't have community with the debt collector and they can't provide your signature for the debt and if they have misinformation on you then that debt should be deleted from your credit report this is your consumer rights
Consumer complaint received 2024-08-16
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. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
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: Experian Information Solutions Inc. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX