davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/year> XXXX purchase XXXXXXXX XXXX  ( {$380.00} ) was an airline purchase direct on airline website which per the terms of my American Express platinum card earns XXXX points. I was only provided with XXXX points and still owed XXXX additional points. 

All amex keeps doing is tell me to contact later and that it isnt their fault even though they are the ones that are mislabeling the charge. They gave me a confirmation # XXXX they said takes 10 business days and try chatting back. 

Merchant has confirmed that on statements name shows as XXXX but it is direct airline carrier purchase from XXXX and have invoice from airline along with emails confirming this Amex isnt helping me or providing the rewards points I should be earning as part of my {$690.00} annual fee.
Consumer complaint received 2024-05-19
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. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-19
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)

XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account. THE ATTACHED DOCUMENT IS WHAT THEY RESPONDED WITH ( NOT WHAT I REQUESTED ) NOT A CONTRACT I SIGNED WITHXX/XX/XXXX OR ANY OTHER COMPANY THEY DO BUSINESS WITH.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which are found to be opened due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-07-04
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. (PA)

XXXX XXXX XXXXXXXX XXXX 

CLAIMS AND REPORTS TO EXPERIAN AND XXXX AS WELL AS XXXX IS BEING REPORTIN IN COLLECTION? 

HOW WAS THIS SOLD TO A COLLECTION AGENCY WHEN IT WAS NOT LEGALLY VERIFIED? 

IS THAT EVEN LEGAL?? 


PLEASE REMOVE CAUSE ITS HURTING ME FROM GETTING APPROVED FOR A LOAN FOR MY XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX seized XX/XX/2022by Wilmington Savings and XXXX  WFSB and sold at XXXX  sale XXXX/2021, alleged tax lien, amount approximately valued XXXX I filed for XXXX  to no avail, i was told the property estate had been sold
Consumer complaint received 2024-05-19
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. (CA)

XXXX XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account.
Consumer complaint received 2024-05-19
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX  # XXXX, AND XXXX  # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate, and according to the fair 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 conerning the invdividual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i just send a validation letter to the bank about the account the report only to transunion and the bank respond me, they no have my account no more the assigned the balance to a some collector or laws firm idk.. like i see that ilegal..
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

A friend sent me a check for XXXX and I deposited it into my checking account with Capital One Bank. I XXXX him {$2400.00} and sent him {$1100.00} in XXXX gift cards. He told me that the check was cleared and he made me send him his money when I did not want too. He also is sending another check in the mail tomorrow going to turn it in to the police department.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I sent an email to Jefferson Capital yesterday, when I found out that the XXXX  Dispute stated that the account has been found as verified and accurate, however, information not related was updated. 
I have been disputing this from when it was XXXX, merged to T-Mobile and then into your collections. This account was opened by using my information. This account should be for someone else, this has been going on since XXXX. I have supplied the information numerous times but nothing is being done about it. This person has used my information to open up a few credit card accounts. 

Why is your company not helping me go after this person? I have disputed this numerous times. XXXX has removed this from my credit report but XXXX and XXXX have not. 

It's not fair that I was told I had to pay the {$2200.00} in order to get a loan when cosigning for a home. I am not denying the fact that my information was used. They were good, one of my emails were used to open the account, once I found out all the information, I tried to log in and close the account but the email was changed. I have given the name and email that I found but still I can't get it removed.

Any help would be greatly appreciated
Consumer complaint received 2024-08-29
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 was never late on my XXXX XXXX. Instead of increasing my credit limit in XXXX they opened an additional credit card. Thus why I have two account numbers from the same company XXXX and XXXX. I was NOT made aware of their error in XX/XX/year> until recently. I reviewed my Consumer Reports and noticed that I had XXXX late payment 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 MAXIMUM POSSIBLE ACCURACY, according to XXXX XXXX Experian. I have never been late on payments for the account : XXXX XXXX XXXX. # XXXX. I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to Paid on time and never late. Or remove it from my consumer report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. DELETE LATE PAYMENT.
Consumer complaint received 2024-05-19
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. (FL)

XXXX XXXX is reporting a XXXX XXXX Account balance that was charged off with the IRS and received a tax benefit of a tax credit. Please find attached XXXX that shows that although XXXX card has plainly charged off this debt but failed to file a XXXX for the benefit of the debtor. Case law provides that if a creditor takes the position to charge-off of a debt owed by debtor, that they can then no longer report this debt as outstanding on debtor 's credit report as that would be INACCURATE. I request that all bureaus cease the reporting of this account on my credit report. I demand that this be deleted. I am currently homeless and it is illegally reporting this debt on my credit report after they have received the tax benefit. I never received the XXXX so I filed XXXX on behalf of XXXX as is beyond 36 month requirement to file and provide the debtor with a copy. I demand that this account is removed from TransUnion, XXXX and XXXX as it is inaccurate. 

See, e.g., In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX. XXXX XXXX ) ; XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Ct. App. XXXX ). In XXXX recent case, a federal district court found that a creditors issuance of a Form XXXX is enough to plausibly suggest that Plaintiffs indebtedness XXXX cancelled. XXXX v. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XXXX XXXX, XXXX ). In making this determination, the court noted that XXXX of the XXXX identifiable events listed in XXXX C.F.R. XXXX that trigger a creditors duty to issue a Form XXXX are all forms of debt cancellation. Id. Further, some courts have reasoned that it would be inequitable to allow a creditor to pursue further collection of a debt in cases where the debtor, in reliance on the Form XXXX, includes the cancelled debt in his or her gross income when filing his or her personal income tax forms. XXXX XXXX, XXXX B.R. at XXXX ; In re XXXX, XXXX B.R. XXXX, XXXX ( XXXX. XXXX XXXX XXXX ). 

Therefore, in addition to removal of this account from all my credit bureau reporting agencies immediately, I would like to compensated damages for the reporting on my report illegally for every year that this was illegally and inaccurately reported.
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-12-28
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-08-28
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. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-05-19
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. (GA)

I am writing to formally address a critical issue regarding fraudulent files that have been inaccurately reported by XXXX XXXX and XXXX XXXX XXXX on my credit report. The erroneous entries associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX not pertain to my rightful name or information. These fraudulent files are significantly impacting my XXXX XXXX and financial standing. 

As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ), credit reporting agencies and debt XXXX are mandated to ensure the accuracy, fairness, and privacy of consumers ' credit information. The presence of fraudulent files by XXXX XXXX and XXXX XXXX XXXX on my credit report is a clear violation of these laws and my consumer rights. 

I have previously engaged with representatives from both XXXX XXXX and XXXX XXXX XXXX regarding these fraudulent entries. Despite my inquiries, the representatives were unable to provide any substantiated information or documentation related to the files. Furthermore, the original companies associated with the accounts have confirmed that they have no record of any information pertaining to my rightful name or details. 

In light of the aforementioned circumstances, I am formally requesting the immediate removal of the fraudulent files associated with Bank Account Number XXXX by XXXX XXXX and Account Number XXXX by XXXX XXXX XXXX XXXX XXXX credit report. These inaccurate entries not only misrepresent my financial history but also pose a significant hindrance to my creditworthiness and financial well-being. 

I implore Consumer Finance to take prompt and decisive action in accordance with the FCRA, XXXX, and FDCPA to ensure the expeditious removal of these fraudulent files from my credit report. It is imperative that these violations of consumer rights and financial integrity are rectified without delay. 

I kindly request that you provide me with written confirmation once the fraudulent files have been successfully removed from my credit report.