davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX -XXXX-XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2024-01-30
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. BThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-30
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. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my dissatisfaction regarding fraudulent accounts 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  ( Account : XXXX ) were opened without my consent, causing financial and emotional distress.
Consumer complaint received 2024-01-30
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)

Kindly remove this account as it doesn't belong to me, and I'm distressed to find it on my credit report. I'm disappointed with the company for putting me through this, and I urgently request the removal of this entry from my credit report. It's definitely not my account!
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

XX/XX/XXXX there were two withdrawals from my checking account. The first for {$100.00} stated " Legal Fees '' the second was {$1900.00} stated " Garnishment ''. I have no known pending legal cases, no outstanding debts. I believe someone is acting fraudulently and somehow convinced my bank, US Bank, that this was a legal judgement. I believe this was orchestrated by fraudulent debt collector attempting to collect on a credit card ( XXXX ), that was removed from my credit report ( statute of limitations ) years ago. They are the same individuals that have made threatening phone calls and said I was to be arrested.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WI)

An unknown individual used my information to make a purchase on XXXX so I made a fraud claim with US Bank who the account is with. A few days later some random US Bank employee decided to cancel my claim without telling anyone ( it wasn't Denied it was Cancelled like as if it had never been filed ). I wasn't notified in any way. They cancelled the claim after the money had been returned to the account causing it to get charged a second time. I guess they decided I needed to go on a roller coaster ride. The second time I called about the fraud the employee had no idea what was going on since the previous employee didn't document or tell anyone else what they did. It took him a longtime to find out even basic information on what was going on. I have no idea if I'm ever going to get my money back. 

How is it even legal for them to cancel a fraud claim a pretend it never existed? And they aren't required to notify the complainant either? 

I've had nothing but bad experiences banking with US Bank to the point I rarely even use the account that the fraud was committed on which makes this even more annoying. This is the type of place that at least at my branch the Drive-Thru tellers also handle the answering the phones which ends up with them all busy and no one being helped in Drive-Thru.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2017-12-17
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: CORELOGIC INC (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CT)

The attached account AFFIRM LLC has reported an account being opened on my credit report in XX/XX/year> as of XX/XX/year>. This item was not authorized by me. This account is fraudulent. The XXXXXXXX XXXX  police have been contacted. I ask that you remove this item from my credit report as I have not authorized affirm to access my account nor do I have any inquiries on my report from Affirm from XX/XX/year> which proves I did not authorize Affirm Inc to pull my credit.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CT)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

So my Home a Depot card had a {$0.00} balance and then I was charged close to {$6000.00} on an online purchase delivered in a Home Depot store iXXXX XXXX XXXX I am in XXXX and I do not know anybody there in XXXX. I had to call XXXX different times to citiBank Home Depot card to initiate an investigation and remove the charges. They told me will send me a letter after the dispute is cleared and not when the dispute is filed. They want you to pay the minimum fee even if the investigation is not completed, I guess you have to dispute the minimum payment charges later.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Yes I made a purchase in XXXX I believe on my credit card and before I made the order of about ( XXXX Dollars I already had a balance of ( XXXX left but I also made a payment on the XXXX balance the same time I purchased the items for ( XXXX that payment should had been less after I paid that note ) so the main issue is I made payments each month thereafter which my balances all together was ( XXXX. And something after made the last purchase of ( XXXX dollars ) and I been paying on this bill since I made the last order of XXXX dollars plus the remaining XXXX since about XXXX And XXXX of ( the year XXXX and it's now the year XXXX of XX/XX/XXXX ) this company ( kohls and the bank they use has not been applying my payments I pay honestly I pay good ) I have been with kohls department store since Sometimes in ( XXXX and never had a problem till now ) these people 's along with kohls is recharging me the same amount I have already sent payment 's on for months. I always paid them in the right manner and on times also they have been charging me ( XXXX interest fees each month ) never informed me about a interest fee so high or insane criminal illegally doing 's. I I asked them for all my statements and payments too them and I told them they have been laundering my payments and stealing my payments not applying them to my debit and account so they could recharge me all over again. I ask you all to file a aburiration or law sue against kohls and the bank that process my our payment 's each month the bank name they have been using is called Capital One Bank. How can you be a bank and not apply my people 's credit card payments that illegal thief and criminal and definitely fraudulent business practices stone illegal. And then charge the payee of their credit card account 's over from the start but I have payed them each month every month since like I said ( XXXX too this is XXXX XXXX.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the unauthorized inquiries on my credit report for how many times now. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report.It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX XXXXXXXX Inquiry Date XX/XX/year>
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

In accordance with the Fair Credit Reporting act. The XXXX accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A. Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.