davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One {$1000.00} XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete + information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
XXXX. 
By the provisions of the Fair Credit Report Act, I demand that these 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 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 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.
Consumer complaint received 2024-05-16
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. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my report. I have viewed my credit report and noticed there are accounts and addresses that appear inaccurate, nor does it belong to me. I have listed all accounts and addresses that appear inaccurate and were not authorized by me 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. I urgently request to Please delete the items as soon as possible.
Consumer complaint received 2024-01-15
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. (MA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-04-23
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. (UT)

I received an email not a letter by mail from Experian which shouldve been sent to me by mail for my personnel records. Experian states and I Quote Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. Theres no limited information on my credit report. This dispute is clearly self explanatory on my credit report. Experian didnt investigate nor bother to resolve these unauthorized inquiries. Experian is in violation of 15 U.S. Code 1681 n 15 U.S. Code 1681o. I am writing to dispute certain information contained in my credit report as provided by Experian. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) and relevant sections including 15 U.S. Code 1681o and 15 U.S. Code 1681n, I am requesting an reinvestigation into the accuracy of the following items : XXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX According to FCRA Section 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into the disputed items upon receipt of a consumer dispute. This investigation must include reviewing all relevant information provided by the consumer and communicating with the data furnisher ( s ) responsible for reporting the disputed information.

Furthermore, FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) mandates that if the results of your investigation determine that the information is inaccurate, incomplete, or can not be verified, you must promptly delete that information from my credit file. Additionally, you are obligated to provide me with a free copy of my credit report reflecting the changes made as a result of the investigation.
Consumer complaint received 2024-09-04
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. (WA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CT)

My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( XXXX ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise XXXX seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I had an account with XXXX XXXX mortgage opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am XXXX  days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Consumer complaint received 2024-04-23
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. (CT)

My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( XXXX ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise Experian seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.
Consumer complaint received 2024-04-23
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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year>2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND NAMES REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/ 2024, i looked at my report. I sent a letter to Experian, XXXX, And XXXX. on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX Number XXXX XXXX XXXX 2024 they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report 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. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. Experian, XXXX, XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX Credit Bureau account reported to the credit bureau agencies that my credit balance had increased, resulting in a XXXX point decrease in my XXXX XXXX. This reporting was inaccurate as there was an open dispute for the charge that resulted in the increase in my balance, days after reporting this information to the credit bureaus XXXX XXXX department completed their investigation and found in my favor that the charge was made in error and return those funds to my credit card, however, they did not fix the error of the report to credit bureaus regarding my being over the credit limit.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear transunion I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date : XX/XX/year> Inquiring Party : XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have previously submitted multiple requests for your company to reinvestigate several inquiries on my credit report that I believe to be inaccurate. Isn't it your responsibility to complete these investigations within 30 days of receiving the request? I've also heard of instances where companies pull credit reports without a permissible purpose, yet I haven't received any verification from your company regarding these inquiries. Below is a list of the inquiries I need to be reexamined : I have attempted to contact each of these companies, but many have no record of me, raising the question of how they could have a permissible business purpose to access my credit if they are unaware of who I am. 

XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This is absolutely distressing to know that my rights as a consumer is being violated. I value my credit score a lot and the errors on my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting disregarded and ignored in correcting these errors and my concerns regarding the inaccuracies on my credit report which has been stressing me out as my new credit applications are being denied because of these.
Consumer complaint received 2018-10-14
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: EQUIFAX, INC. (NC)

As XX/XX/2018 I check my XXXX XXXX  account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also Equifax is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.