davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (OR)

Ally Financial {$6600.00} Opened XX/XX/2019 Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.
Consumer complaint received 2024-05-06
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. (GA)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my Transunion Credit Report ( # XXXX ) XX/XX/year> through annualcreditreport.com that linked me to transunion.com and noticed some things are incomplete and not accurate that were reported. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report belongs to.

I sent a letter to Transunion Certified mail, Tracking # XXXX XX/XX/year>. 

I asked them to investigate the following accounts : 1. XXXX XXXX XXXX ( {$2700.00} ) 2. DEPT OF ED / XXXX XXXX ( {$3700.00} ) 3. DEPT OF ED / XXXX XXXX ( {$2500.00} ) 4. DEPT OF ED / XXXX XXXX ( {$3700.00} 5. DEPT OF ED / XXXX XXXX ( {$2400.00} ) 6. DEPT OF ED / XXXX XXXX ( {$4700.00} ) 7. DEPT OF ED / XXXX XXXX ( {$1100.00} ) 8. DEPT OF ED / XXXX XXXX ( {$5800.00} ) 9. DEPT OF ED / XXXX XXXX ( {$2200.00} ) 10. US DEPT OF EDUCATION XXXX XXXX ( {$3100.00} ) because I believe that the open date is not reporting correctly, date last active, date of last payment, and monthly payment accuracy aren't correct.

Transunion received the mail XX/XX/year> and the return slip stamps it was signed for by XXXX XXXX who is labeled Agent on the return slip.

Despite receiving my dispute, TransUnion has failed to respond with any updates, corrections, or investigations regarding the inaccuracies in my credit report. As of today, XX/XX/year>, more than 30 days have passed since TransUnion received my dispute letter, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( 1 ) ( A ). Which states when a consumer disputes the accuracy of information in their credit report, the credit reporting agency must investigate the disputed information within 30 days. If the investigation does not resolve the dispute, the disputed information must be deleted or corrected.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX at about XXXX, I received a text from XXXX asking if I had attempted a wire transfer for {$4300.00} to XXXX XXXX XXXX I replied no. A few minutes later I got a call from what I thought to be, what was at the time a number that said it was Navy Federal Credit Union and the correct number as I have it saved in my contacts. The person said that they were calling me since there was fraudulent activity on my account. They said they would have to reset my password and walk me through the process. They said they would send me a code to give to them. I was ok with this since I had locked my account before and when I called it was the process they used. I also tried to access my account via my mobile phone. I was not able to but then I tried to reset my password and could not. During this process I arrived home and used my compromised credit card to rest and saw that the scammer had changed all my settings, to notify me of the action on my account. They had also added a 2nd external user to my account by the name of XXXX XXXX. I was also told that they had opened a loan in my name. 

The loan was then told by the person on the phone that I had to return the funds to the NFCU member that given me the loan. I asked who that person was, they said XXXX XXXX. They asked me to make a test transfer, so I did for {$99.00}. In that time, I got disconnected. I was able to log into my account on my computer and then call Navy Federal Credit Union to report what happened. 

I went through the NFCU process to file a fraudulent case and was denied. I was never contacted by them until I received a decision letter saying that I would be responsible for what ended up being a little over XXXX. How that number was reached I have not gotten an answer. I went through the appeal process and was denied. I asked how is it that I am fully responsible for something that the scammer did exactly what their standard procedure is and I am the one responsible. 

I also asked to get a copy of the audio of the for the call and was denied
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was making my payment for capital one and my due date was XXXX 2023, they told me i was late since the cut off was XXXX oclock even though i was making the payment on the same exact date of XX/XX/ 2023, they will charge me XXXX dollars, i think this is illegal of doing that, i think that was a misleading practice. not only that, that will affect my credit score as well, it will be notice as a late payment. Capital one is misrepresenting his customers by making it hard for their customers to make their payment on time .They should not be a cut off time to make a payment.
Consumer complaint received 2024-01-05
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)

Account Name XXXX XXXX Account Number XXXX Account Balance {$14000.00}. 15 USC & 1681n Civil liability for willful noncompliance, 15 USC & 1681o Civil liability for negligent noncompliance, 15 USC & 1681e Compliance procedures, In accordance with the Fair Credit Reporting Act, the list accounts has violated my federally protected consumer protection rights to my privacy and confidently under 15 USC 1681, 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 168 SECTION 604 A. STATES A CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1681C ( A ) ( 5 ). STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. 15 USC 1681C ( A ) ( 5 ) ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681S-2 ( A ) ( 1 ) PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAD REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-01-05
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. (FL)

I have hard inquires on my report that I would want removed off my report due to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BYS, LLC. d/b/a Boost Your Score (FL)

This was a fraudulent charge that i had no idea about. I got charged on my account twice and called my bank to stop payment and filed a claim but they closed it with no resolution
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediatly reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the name and business address of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after the above investigation.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-05
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. (NJ)

This company has defrauded, coerced and attempt to extort me the consumer.. 

There are few key violations here, As per IRS PUBLIC 4681 Charge Offs are considered canceled by the irs which means they are taxable income and can not be reported to a credit report as well as Topic 431 of the IRS which are attached below therefore they must be removed off my credit report subject IMMEDIATELY AS IT IS ILLEGAL AND INACCURATE REPORTING against a consumer Not to mention this is a case of identity theft as I do not recognize this account and i submitted a prior identity theft affidavit for the same account whihc was then re-applied to the consumer report this is egregious and gross negligence and a clear violation of my right to privacy as per privacy act of 1974. 

Please see the attached stolen identity affidavit
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting.

REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Consumer complaint received 2024-01-05
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. (MO)

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 Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I am attempting to get my air fixed during the hot summer and needed to refinance my home in order to do so. However, a medical bill on my credit report is preventing me from doing this. It caused my request to be denied and now I do not have any heating or air. I have submitted a dispute with experion and contacted the 'collector ' about the claim. However, this should not be on my report. This has directly impacted my credit score and brought it down from somewhere in the XXXX to XXXX. Where other credit reports still have me listed at the XXXX... Please help with the Fair Credit Reporting Act XXXX
Consumer complaint received 2024-01-05
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 2024-01-05
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. (IL)

I am writing to dispute unauthorized credit inquiries on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute inaccurate information. 

The inquiries I am disputing are : XXXX XXXX XXXX Inquired on XX/XX/ XXXX - Inquired on XXXX XXXX XXXX XXXX  - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XX/XX/ I do not recall authorizing these inquiries and request that they be investigated and removed from my credit report if found unauthorized. 

I have enclosed copies of my credit report highlighting these inquiries for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-01-05
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.