davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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: Foursight Holding LLC (TX)

On XX/XX/XXXX, I discovered two unauthorized hard inquiries on my credit report from XXXX XXXX and Foursight Capital LLC. Hard inquiries typically happen when applying for credit. Unauthorized ones raise concerns about potential fraud or unauthorized access to my information. I plan to dispute these inquiries with the credit reporting agencies and take steps to protect my credit.
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. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have applications on XXXX. I was reached out to by one landlord asking about bankruptcies. 

In review of the Experian report, it shows several accounts as XXXX XXXX or XXXX. 

Their public records show no bankruptcies. 

I have not claimed bankruptcy since XXXX. The accounts in question are from XXXX this has caused me to lose 3 places to live as they believe I lied on my application regarding bankrupcy.
Consumer complaint received 2024-06-05
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)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-05-22
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. (CA)

Title 18 U.S. Code 1342- Fictitious name or address imposes a penalty where XXXX " shall be fined under this title or imprisoned not more than XXXX years, or both. '' The following names are a violation of Title XXXX XXXX Code XXXX and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY MAILABLE ADDRESS AND ACCURATE IS ADDRESS IS AS FOLLOWS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I checked my consumer reported and notice several inaccurate and fraudulent addresses on my consumer report. They must be removed according to the Fair Credit Reporting Act. The consumer reporting agency did not follow reasonable procedures to assure maximum possible accuracy of said information. ADDRESSES ARE OUT DATED AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
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. (IL)

Ive tried to resolve this matter with Experian for some years now starting from XXXX of 2019 until present day Ive sent in a letter from the courts stating that they dont report or send anything to credit bureaus Ive asked them to tell me who furnished the information pertaining to a bankruptcy Ive disputed the remark over and over they have failed to investigate properly and or remove said remark
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

At XXXX on XX/XX/year> I received an email from Chime XXXX welcoming me to Chime and asking me to set up direct deposit. At XXXX XXXX I received an email XXXX telling me my XXXX XXXX application is almost complete and that I needed to click the link to finish setup. At XXXX XXXX  I received a text from XXXX telling me my Chime account is ready and to download the app. XXXX XXXX XXXX 

At no point did I click any of the links. I never signed up for Chime. I googled their contact information which did match the information in the email they sent and I called and had " my account '' closed. The person directed me to the various credit monitoring agencies, but the thing is I have credit monitoring setup and get immediately notified if I open anything or even have a credit check, I received no notifications alerting me to Chime creating an account.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE 1- ( XXXX )
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-22
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the XXXX major credit bureaus XXXX, Experian, and XXXX. This settlement resulted in the creation of the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). 

XXXX mandated that the XXXX credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every 90 days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a landlord obtained in XXXX on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " XXXX XXXX XXXX " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX. 
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " XXXX XXXX XXXX " and " TRANSUNION ". This charge may lead to a lawsuit. 

Citizen Complaint Center Antitrust Division XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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)

According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom said report relates. These accounts are not complete and accurate. XXXX XXXX # XXXX, and XXXX XXXX XXXX  # XXXX. According to 15 USC 1681s-2, A person shall not furnish information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate. And according to 12 CFR 1006.34 ( b ) ( 5 ) the collection agency has not provided validated information but place a collection on my consumer report.
Consumer complaint received 2023-04-11
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: Upstart Holdings, Inc. (CT)

On XX/XX/XXXX I reached out to Upstart Loan Operations about a 30 days late payment report on my XXXX credit report. They told me and also sent me an email stating that they will investigate the issue and provide accurate report to the credit bureau. 
It has been over days now, my XXXX credit report shows 30 days late in XX/XX/XXXX. On XX/XX/XXXX, I reached out again to Upstart about the same issue. They stated that they would look into the issue. They sent me an email stating same. 
Today, XXXX, I got a notification on my XXXX credit report that I had a 30 days late in XX/XX/XXXX. 
Upstart is not willing to fix the issue an now whenever I call they transfer me to one person to another and tell me they would look into the issue. 
From XXXX XXXX till date, it has been over 30 days and the issue has not been fixed. 
Back story, In XX/XX/XXXX, I requested a hardship assistance which I was informed that they would report to the credit bureau if approved that the loan is modified which was fine with me and they told me my account will be reported as Current to all 3 credit bureaus.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (VA)

I ordered shoes from XXXX XXXX on XX/XX/XXXX by using Affirm for payment. Affirm provides a virtual card number when purchasing and then would charge my credit card in 4 equal installments of {$320.00}. On XX/XX/XXXX, XXXX sent an email stating that the shoes were no longer available and the order is cancelled. However, Affirm charged my XXXX XXXX XXXX credit card for the first payment of {$320.00} even though the order was never fulfilled. Ive contacted Affirm several times ( maybe around 5 times including twice today on XX/XX/XXXX ) to explain that XXXX cancelled the order and never fulfilled, so Affirm should refund the first installment and cancel the loan completely. They refused because their system is not showing a cancellation. I even submitted the email from XXXX confirming the cancellation. Affirm keeps telling me they dont see it in their system that the order is cancelled even after sending them the email from XXXX. It seems Affirms system has an issue but Im suffering from their incompetence. I should not have to be in the middle due to their issue. I asked Affirm what else do they need if we have an email from XXXX who Affirm has the relationship with. I disputed the first charge with my credit card company but am worried Affirm doesnt drop the amount and then reports it to the credit agencies for something I never received. 

My Affirm loan ID is XXXX Thank you!
Consumer complaint received 2024-06-07
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-24
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. (TX)

I AM ONE TO CHECK MY CREDIT OFTEN. TODAY I NOTICED THERE WAS A NEW ACCT OPENED ON MY REPORT FROM YOU ALL. AS WELL AS DROPPED MY SCORES DRASTICALLY..THE ONLY TWO IM AWARE OF ARE THE ONES IVE HAD FOR A COUPLE YEAR THATS CLOSED AND IM PAYING OFF CURRENTLY. SO IMMEDIATELY AFTER NOTICING THAT I CALL XXXX XXXX AND HEAR ON THE AUTOMATED PROMPTS THERE WAS A NEW CARD ENDING IN XXXX OR WHATEVER OPENED THAT IM UNAWARE OF AND IT ALSO DROPPED MY SCORES ON ALL THREE BUREAUS. I SPOKE WITH REP THIS EVENING AND SHE TOLD ME THAT THIS WAS NOT A NEW CARD. THAT IN FACT THIS WAS AN OLD ACCT OF MINES FROM I DONT KNOW WHEN. MY THINGS IS. HOW ARE YOU SOBS GON NA RUN MY CREDIT WITHOUT MY KNOWLEDGE THEN REOPEN AN OLD ACCOUNT AND SLAP IT ON MY CREDIT. THATS ILLEGAL AND UNETHICAL UNDER FCRA. THATS. VIOLATION. YOU ALL BETTER REMOVE THIS XXXX IMMEDIATELY BECAUSE IVE NEVER SEEN ANY XXXX LIKE THIS BEFORE AND IM XXXX. I GAVE YOU ALL NO PERMISSION TO USE MY SOCIAL SECURITY NUMBER TO RERUN FOR AN OLD ACCT THAT I DONT EVEN REMEMBER. FACT OF THE MATTER IS. YOU USED MY SSN WITHOUT MY KNOWLEDGE. I ONLY FOUND OUT BECAUSE I GOT CREDIT NOTICE. HOW ARE YOU ALL GON NA GIVE ME TWO NEW CREDIT CARDS AFTER THE FACT THEN SLAP AN OLD ACCT I HAVE NO KNOWING OF AT ALL THEN DROPPED MY SCORE BY XXXX POINTS I DONT GIVE XXXX XXXX IF THIS IS AN OLD ACCT. YOU XXXX USED MY SSN WITHOUT MY PERMISSION NOR KNOWLEDGE. I WANT THIS ACCT OFF MY XXXX REPORT NOW AS IT WAS IMPROPER USE. I ASKED THE REP AND SHE GAVE ME THE XXXX NUMBER FOR ME TO CALL IN THE MORNING. I ASKED HER IS THAT WHAT DROPPED MY CREDIT AND SHE TOLD ME TO CALL THE NUMBER. THATS SOME XXXX XXXX. YOU CANT USE MY SSN LIKE THAT. I IMMEDIATELY THOUGHT THIS WAS FRAUD BECAUSE IT SAID AN ACCT WAS OPENED THIS MONTH ..AND I KNOW XXXX WELL I DIDNT OPEN A NEW ACCOUNT NOR WOULD YOU ALL LET ME BECAUSE IM PAYING OFF TWO NOW. THIS IS NOT RIGHT AT ALL AND I WANT AN EXECUTIVE OR SOMEONE HIGHER UP TO CALL ME BECAUSE I KEEP CLOSE EYE ON MY CREDIT AS IM TRYING TO KEEP IT GOOD FOR HOUSE BUYING. XXXX XXXX. JIST REMOVE THIS AS YOU ALL HAD NO RIGHT
Consumer complaint received 2024-05-22
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. (OH)

Experian These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY EXPERIAN REPORT! 

Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

XXXXXXXX XXXX XXXX  {$13.00} **UPDATED** XX/XX/202XXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/2024 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The account below XXXX XXXX was removed from my XXXX, and XXXX, report. It's a fraudulent account. Please remove this account off my Experian report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX. Date of Inquiry : XX/XX/. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent proof over 5 times in the past 2 years showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/year>. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under 15 u.s code 1681b- permissible purpose of Consumer report ( a ) 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 WRITTEN INSTRUCTION of the Consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.