davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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. (MD)

I am writing to request the immediate removal of the fraudulent account ( XXXX XXXX XXXXXXXX ) from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

This account was opened without my consent and is negatively impacting my credit. Please investigate and remove it promptly, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

Additionally, I have attached my FTC fraud report to this message.

Provide written confirmation of removal, as stipulated by FCRA Section 611 ( a ) ( 2 ).

I appreciate your prompt attention to this matter.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (NJ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-15
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. (AZ)

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.

has violated my rights. Or a list of inquiries : 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 2024-04-15
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: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX  Balance : {$9500.00} XXXX XXXX XXXX  Balance : {$9000.00}
Consumer complaint received 2024-01-23
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through XXXX, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.
Consumer complaint received 2024-04-14
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. (GA)

I sent the credit bureau supporting documents to remove the inaccurate information from my report. XXXX XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.
Consumer complaint received 2024-04-14
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. (FL)

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 XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2022-11-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$5800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2024-04-14
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: Experian Information Solutions Inc. (MD)

To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- NAVY FEDERAL CREDIT UNION is breaking the consumer law pertaining to : NAVY FEDERAL CREDIT UNION XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

Transferring cash from Cash App to my XXXX account I linked my cash app 's account to my XXXX via online. Per Cash App, all cash out transactions were deposited to a XXXX account ending XXXX. My account linked to my Cash App account ends in XXXX. An estimated $ XXXX was transferred to someone else account.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim and Survivor of XXXX XXXX XXXX XXXX XXXX and XXXX in Persons. Please see all enclosed forms as Evidence according to Federal Regulations and remove all requested information from the consumer report. Thank you
Consumer complaint received 2023-08-29
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)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just notice on my credit report that is certain items on my personal information that does not belong to my person. My correct name is XXXX XXXX, my right and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy this is violation on the accuracy of this account in my credit report on transunion 15 usc 1691e ( b ) for maximum possible accuracy or 15 usc 1681i ( d ) for notification of deletion of disputed information.

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. 

XXXX. account XXXX. last date of activity XX/XX/XXXX past due amount XXXX XXXX 

XXXX XXXX XXXX XXXX LAST DATE OF ACTIVITY XX/XX/XXXX 30 DAY LATE CLOSED ACCOUNT.
Consumer complaint received 2023-04-30
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. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

XX/XX/2020 I attempted to purchase something from XXXX XXXX via the mobile app and checked out using XXXX XXXX. When I authorized the payment I was presented with an error that the purchase failed and IMMEDIATELY got a notification that the {$350.00} was debited from my cashapp account. There is no order, there is no history of an order, no email confirmation, and XXXX XXXX has no record of the purchase. But I am missing my money. I called multiple XXXX XXXX representatives and none of them could help me and I was told to dispute it with my bank. Cash App has atrocious customer service and refuses dispute the charge. They pointed me back to XXXX XXXX.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is XXXX XXXX. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have disputed a charge on my VISA card with the USAA FSB from the XXXX XXXX XXXX which forced me to book a different flight than the one I originally purchased. 
On XX/XX/XXXX I received a voice message from the USAA stating that according to the Airline the ticket was used ... the services were rendered ... there were no cancellations involved. In the voice message USAA representative XXXX informed me essentially that they have to go off of the information provided by the Airline. 
I disagree. I was not allowed by the XXXX XXXX XXXX to use my ticket for the original flight and was forced to pay extra to book a later flight. At that time I was informed by the XXXX that my ticket was cancelled. I provided to the USAA FSB copies of my boarding passes for the original flight. 
Neither the XXXX XXXX XXXX nor USAA is treating me fairly, The supporting documentation I provided to the USAA confirms the cancellation of my ticket.

The USAA is failing repeatedly to conscientiously review the information I provided to support my dispute.

Apparently, the USAA feels they have to go off of the information provided by the airline. There is, however, no evidence that I was able to use my original ticket and boarding passes and to fly on the original flight. There is evidence ( receipts ) that I had to pay the XXXX additional {$110.00} to book a later flight. 
USAA continues to fail to provide a reasonable resolution of my dispute.
Consumer complaint received 2018-10-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (VA)

I contacted Caliber after I moved in on XX/XX/XXXX and on XX/XX/XXXX my ceiling fell, and on XX/XX/XXXX damage to dining and basement from heavy rains. I spoke to Caliber home on 3 occasions. One the first call the representative told me that he would send out an application for a Forbearance. I filled out the application and returned it. I received notification from Caliber that my loan was in review for modification but not forbearance. I called and spoke to a second customer service rep who indicated that I would not receive a ding on my credit report because my account was not actually 30 days past due and that it was in modification. On XX/XX/XXXX, I received a 30 day late on my loan and immediately called Caliber but could not get through until XX/XX/XXXX. I spoke to a customer service rep and supervisor who both indicated that the previous reps did not give me the correct information. I advised that I have a late payment on my credit report and I want it removed because I was told that I would not receive any ding on my report. The Supervisor, XXXX at first did not believe me, but finally agreed to listen to the conversation with both reps and advised he would try to get XXXX payment updated. I advised XXXX that as a company and holder of my mortgage they have a duty to provide the consumer with correct information. You can not lie to the consumer on a recorded call, send documents that support the lie and then say no we can not use that program so you now have a late payment on your file. I advised XXXX that I do not have any late payments on other bills, in addition, I work for the federal government and can not have inaccurate information reporting on my credit report. I hope CFPB can assist me with this situation. It's so unfair that I have to go through this as a new home owner especially given the catastrophic damage to my home three days after my young daughter and I moved in.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.