davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (MD)

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 information is inaccurate.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

I have received a fraudulent check for the amount {$19000.00}, which Truist bank cleared the next day and placed deposit into my account. Every time in the past if there was every doubt about the check, they would put hold on the check and wait until they are sure check is good before clearing the check. Based on the clearing of the check and their previous process of putting the check on hold if in any doubt, I assumed they verified the check and are sure there are no issues with the check. Based on this I used those funds to return partially to the sender of the check and to conduct other business, assuming check is cleared and verified by Truist. 

Approximately 7 days later, Truist reverted the transaction and deducted the entire amount {$19000.00} from my account. I went to my local Truist bank and spoke to Truist representative. They called the bank from which the check originated and confirmed the check is fraudulent. They told me that this needs to be reported to Truist fraud department so they can return to me the stolen funds. While at the XXXX branch we spoke to fraud department which tool all the details and told me Truist analyst will contact me. Branch representative assured me funds will be returned. 

Several days later, I received email stating that my fraud claim has been denied. I was never contacted by Truist analyst. I called the analyst several times using the number on the form that they sent but received no response. Their statement stated that I benefited from this fraud which is not true. Analyst never called me to ask for any details and denying the claim was completely opposite to what they told me at the Truist branch, where they assured me funds will be returned as Truist offers fraud protection. 

Truist also states that all deposits are protected and FDIC insured. They have several sections on their website stating they offer security and deposit /fraud protection. I have been their customer for 20 years and they simply denied this claim without asking for explanation, any details even though they state customer deposits are safe.
Consumer complaint received 2024-02-23
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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 submitted a complaint last XX/XX/2023 but it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
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: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (NV)

This account recently appeared on my Credit report. It states that is an account over 6 and a half years old yet it just recently shows on my credit report. According to 15 U.S. Code 1679c, this account must be removed immediately.

The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-07-09
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. (DC)

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 information is inaccurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Called a credit representative on XXXX advise that my credit information is still showing on my credit report, after the account be closed and its been over 10 years. This is illegal and company should be fined. Im trying to buy a home and this information should not be showing on a closed account, after reported closed and repeated disputes with the creditor and or the credit bureaus.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I've been attempting to apply for credit limit increases with Capital One for XXXX years now. I have XXXX cards with the company and have been a customer for upwards of 6 years now. Starting roughly XXXX years ago, they claim that there is pending legal action against me and that they are unable to authorize my credit limit increase request because of this. I have called them multiple times requesting additional details on where this information is being sourced from and how I can correct this and making sure they understand that there is no pending legal action against me. I have also confirmed firsthand and relayed to Capital One that my credit reports from the XXXX major bureaus do not show any evidence of pending legal action. Everytime I try to solve this issue by calling them, they tell me they can't provide me with information on where they get their information from, and then when I attempt to escalate to a manager I am being told that they will file a ticket and follow up with me but never do, or tell me that there's nothing they can do for me and that I'm welcome to try applying for an increase again if I believe this is in error. I have tried applying at least XXXX times now, and everytime I get the same denial with the same reason.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This account was paid and settled, however, this account is still showing on my credit report with inaccurate information. I have tried to dispute this several times through Experian several times and XXXX each time as refused to acknowledge nor delete this as a goodwill deletion.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Reviewing my credit report presented by LexisNexis I found incorrect, inaccurate information or information that does not belong to me so I have been trying to solve this with the company without having any kind of response that manages to solve this information. 

On XX/XX/XXXX of this year, an updated report was sent to me presenting the information that I wish to dispute below in the attached documents, since this incorrect or inaccurate information can negatively affect my history. 

In the attached documents I detail the information to be disputed so that this information is removed from my credit report.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (GA)

I disputed some negatively reporting items on my consumer report, on XX/XX/2023. I spoke to a representative from Equifax, and I requested validation of the negatively reporting debts. I was told I would receive a letter with results in 4 to 5 business days. Equifax did not send a response. The negative information remains on my consumer report. I was never contacted by Equifax during this " so called '' investigation. I am being adversely affected by these negative items and my reputation is being damaged. It is also affecting my creditworthiness and ability to access my credit. According to 15 USC 1681 ( A ) ( e ) the conditions were not met for a proper investigation. Also, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer, or from a consumer reporting agency, when such information was obtained directly from a creditor of the consumer or from the consumer. 
The information in question is as follows. 
A XXXX XXXX account XXXX for {$830.00} A XXXX XXXX  account XXXX for {$900.00} XXXX XXXX XXXX XXXX XXXX account XXXX for {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX account XXXX for {$12000.00} And a XXXX XXXX XXXX account XXXX for {$2200.00} Which is reporting negative information on the same debt as the XXXX XXXX account XXXX {$0.00} My right to privacy is also being violated. And 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction. I have not provided this, and I do not consent to the making public of negative items on my consumer report.
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: Experian Information Solutions Inc. (NY)

On XX/XX/year> I sent all XXXX bureaus a letter requesting validation on the stated accounts but never received a reply from them. 

PLEASE REMOVE ALL ADDRESS, NAMES, AND SOCIAL SECURITY NUMBERS THAT DOES NOT MATCH MY ID AND SOCIAL SECURITY CARD Please REMOVE ALL NOTICES from my Credit Report, as they are ALL Incorrect DO NOT put any FRAUD ALERTS on my Credit Report PLEASE REMOVE ALL OF THE LISTED INQUIRIES FROM MY CREDIT FILE RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE 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 2023-08-25
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: WELLS FARGO & COMPANY (NJ)

- purchased sofa and loveseat on store. credit card. Found som accessories which was a separate purchase utilizing a debt card Since the furniture was on back order the accessories were ordered and scheduled to arrive the same time as the furniture since there was only one in stock. When I picked up the accessories I noticed the paid in full accessories were charged to my new credit card and the payment for the items was used as a payment after I brought it to their attention. This clandestine act makes the items that were paid in full an interest bearing purchase. Tried 5 times to get this fixed to no avail. They would not take the items back nor would they adjust the bill.
Consumer complaint received 2023-09-12
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. (CO)

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the wrong addresses reporting on my credit profile
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
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: Experian Information Solutions Inc. (FL)

I am a known victim of identity theft. I followed all of the procedures correctly to remedy the situation. I filled all of the reports I was supposed to with the authorities and sent them off to the credit bureaus with my ids and everything but it has been over 90 days and they have not responded to n eat all. I kjno wthat this is illegal. Please help me! This is causing me a lot of harm.
Consumer complaint received 2023-09-18
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. (TX)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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