davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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. (GA)

I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must emphasize that neither XXXX nor any other credit bureau have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (PR)

In XX/XX/2019 a company that already had my information did an unauthorized credit inquiry and Equifax failed to remove it confirmation : XXXX They even have my my name and address wrong that is some horrible credit bureau.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

SYNCHRONY HOME FURNITURE DIRECT {$1200.00} IN XX/XX/XXXX MX EX TOLD ME TO JOIN WITH HIM TO GET A LOAD FOR FURNITURE. {$1000.00} WE WOULD SPLIT IT {$500.00} AND {$500.00} AND I HAVE PROOF I PAID MY PART. I ENDED UP LEAVING HIM ABOUT I XXXX  SITUATION. I HAD TO TAKE XXXX XXXX XXXX XXXX XXXX XXXX. EVERY TIME I WOULD TRY TO GO AND GET MY FURNITURE HE WOULD XXXX XXXX  SO I DONT HAVE THE FURNITURE BUTI STILL PAID MY HALF. I TOLD HIM TO PAY HIS PART. NOW ITS XXXX WHEN I LEFT IT WAS {$500.00} HIS HALF. I CALLED THE COMPANY AND TOLD THEM THE SITUATION. NOW THE PERSON FORWARD THE BILL TO ME.
Consumer complaint received 2024-05-09
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. (CA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!!
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

XX/XX/2019 Sequium Asset Solutions Original Creditor 11 XXXX XXXX  Amount XXXX $ I have reported to Each credit company I do not know own this bill I was living with relative since I had a XXXX this is not my bill and I will not pay. I was victim of the breach and want this removed immeditaly. A person who is XXXX can not have cable tv.
Consumer complaint received 2024-05-09
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. (CA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. XXXX- {$3600.00} XXXX. XXXX- {$3500.00} XXXX. XXXX- {$2200.00} XXXX. XXXX- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by XXXX. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. Equifax removed the fraudulent accounts. However, XXXX and XXXX have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with XXXX. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Consumer complaint received 2024-05-28
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)

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 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 informationisinaccurate.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PR)

I bought a treadmill and took out a SEARS credit card for the same. To date, I have never received the card. I have only received one statement which I tried to pay at the store and could not. I paid via check for the first time. After inquiring with the creditor via phone, they agreed to send me the card and correspondence, but they have done neither. I have tried to pay at the store with my Social Security number, but no account appears registered to my SSN. They keep calling and harassing me and requesting that I give them access to my bank account so they can withdraw the payment. I want to make the payment but refuse to give them access to my bank account. If they can not even mail me a simple credit card, I fear what havoc they may do if I provide them access to my bank account.
Consumer complaint received 2024-06-15
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)

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
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. (VA)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX 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 2019-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PR)

By this means I request to be removed some accounts that are getting confused in my credit reports, I have never lived in the United States and in spite of the efforts I have made since XX/XX/2018 have not yet been removed. The accounts of XXXX / XXXX  # XXXX and XXXX # XXXX confused in my report are reporting recent backlogs which make it impossible and this is affecting my credit. 

I request the removal of variations of names mixed in my reports such as XXXX XXXX XXXX, addresses of the United States and Jobs that do not belong to me XXXX XXXX XXXX There are some positive accounts as they do not belong to me and they are still reprinting in my reports that I request to be removed, XXXX XXXX # XXXX, 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 request to be corrected and do not confuse again information of other people in my credit.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX. I go to branch to close my account due to my bank checks were robbed. I told representative my concerns about maintain account open. I fill up documentation. I had on my account previous of clossure {$27.00} the representative tolds me due to close the account before the year the will charge {$15.00}. 
Process a transfer to my personal account of {$12.00} and left {$15.00} on the account. 
Next day XX/XX/XXXX, I received a call from branch and told me the account couldn't be close because a payment of {$20.00} from a service I authorized income to the account. 
They pay the amount cause on my account I had {$27.00}. 
They acredited to my personal account {$12.00} but they never deducted the {$12.00} from the main account. 
They charge me {$15.00} for insufficient funds to proccess the transaction of {$12.00}. 
Plus I have {$4.00} charges for the account in negative. 
I transfer to the account in issue on XX/XX/XXXX. {$46.00} dolars. 
I call customer service to report the issue they told me monitor the account and call them. 
I notice on my account only had on XX/XX/XXXX {$11.00} so I transfer today {$2.00}. My account have {$15.00} dollars at the moment. 
I call the customer service. Asking if the can take action or verify to branch to complete the process. They tokd me I have to wait until tomorrow XX/XX/XXXX to the accoubt get cleared. And I have to go again tonbranch to close the account. I told them I already submit the documentation. But they told me I have to go again to do the same process and no warranty of more charges in the time remains open.
Consumer complaint received 2024-06-27
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. (CA)

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 the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

Dates, Amounts, actions was taken to remove inaccurate information but companies isnt complying Ive sent out 9 letters to credit bureau and the companys listed on my report. XXXX XXXX paid in full never late, Vystar paid off never late not reporting accurately, XXXX XXXX isnt my account it was reported as fraud I have police report to prove. XXXX XXXX never late paid in full reporting inaccurate