davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (PA)

I was really upset to find unauthorized inquiries on my credit report today, and I have no idea why they appeared. When I checked it, like I always do, these discrepancies suddenly showed up. I tried refreshing the page, thinking it was an error, but nothing changed. The unauthorized inquiries remained. I urgently ask for a thorough review of the documents Ive submitted so that I no longer have to worry about this issue.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (FL)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge XXXX Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year>
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 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 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc. (CA)

Aidvantage has violated my rights under the FDCPA stating that I owe a debt that DOES NOT BELONG TO ME. I have never signed an agreement with this company and have no knowledge of this debt. they are a student loan servicer I have never had a student loan in my life. I have reported this to the FTC and they are looking into this as we speak. this account was created without my authorization and I need them to stop reaching and cease and desist all collection efforts in regards to this account. I REFUSE TO PAY THIS DEBT
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 Bureaus, 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, XXXX, and Transunion XXXX XXXX.
Consumer complaint received 2024-03-08
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. (FL)

Since last year of XXXX  I've requested that TransUnion remove Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I've sent my ID and proof of address and yet TransUnion didn't respond back with the thirty days. I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection.
Consumer complaint received 2024-04-22
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-09-07
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. (CA)

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.
Consumer complaint received 2020-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (SC)

I am a consumer. I sent several certified return receipt Afffidavits Of Truth with Clerk Of Court acknowledgments of the Affidavits and Notary Public. 
1. ) Certified Return XX/XX/XXXX 2. ) Certified Return Receipt XX/XX/XXXX 3. ) Certified Return Receipt XX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

In 2019 when I was applying for the XXXX  permanent dividend fund, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen. 

the following accounts aren't mine 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2024-09-07
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. (AK)

In 2019 when I was applying for the XXXX  permanent dividend fund, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen. 

the following accounts aren't mine 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 2023-07-12
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: JPMORGAN CHASE & CO. (TN)

On XX/XX/2023, I received a text message from my mother a picture of a Chase letter stating to send additional information for the application to be submitted. I had not submitted an application to Chase bank. The application was submitted using my name, my mom 's address, and our previous home phone number that is no longer in service. This is how I received notice because it was sent to my mom 's address. I looked at my credit report and identified a hard injury by JPMCB Card services on XX/XX/2023. This is when I realized someone had stolen my identity. Looking at my credit report on XXXX, there is a section labeled as Account Review Injuries. On XX/XX/2023 and XX/XX/2023, XXXX is listed. I have never used XXXX and was unaware of what XXXX was. I have now learned that it is a credit website where I believe they created an account using my personal information. I have sent the customer support an email and am waiting for a reply. Using XXXX, a credit alert for JPMCB Card and card services on XX/XX/2023 and XX/XX/2023. I have filed a police report on XX/XX/2023. I called Chase and am waiting to receive a letter to verify the cancelation of the application. I have placed a fraud alert on XXXX, XXXX, and XXXX. I have also frozen my credit on all accounts. And am currently calling to dispute the hard injury and label the address and home phone number as fraud. I will be contacting my three lines of credit and my bank. I plan to send in the information to extend the seven year fraud protection.
Consumer complaint received 2024-09-07
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)

I was shocked to see inaccurate accounts pop up on my credit report tonight, and I have no clue why. I check my report regularly, and this time, out of nowhere, there were errors. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The mistakes were still there. I'm really asking for a thorough review of the documents Ive sent because I dont want to deal with this stress again.
Consumer complaint received 2024-04-22
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-04-22
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 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 2024-08-28
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. (TX)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2024-08-05
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AZ)

Comenity Bank manages my XXXX Credit Card, a retail store card. They have instituted a fee to receive paper statements of {$2.00} per month. I believe this fee is unfair and could be discriminatory towards those with less access to technology. If they are providing the service of a credit card then providing a bill is part of that service and since paper has always been the default standard, this should not incur an additional cost.
Consumer complaint received 2024-04-22
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-22
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. (TX)

I looked at my report back XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account ( 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  ), are not complete and accurate.

And one more thing according to 15 USC 1681 s-2 SA 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.

Check the attachments below.