davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (NC)

Ok XX/XX/year> I reported erroneous inquiries on my credit report and sent my license/utility bill and poss identity theft report to prove it and they sent a letter asking if it was me- stating that my letter sounded funny. They said it was suspicious.
Consumer complaint received 2024-07-09
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
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. (SC)

I have asked the credit bureaus to produce original documentation with signatures validating that these account belongs to me. They have ignored that request and sent back messages stating " the account has been verified '' and did not provide proof over the verification nor the process of how they obtained the verification. They have also stated " the information sent in does not appear to have came from you or from someone that was authorized by you '' ; a stalling tactic and I sent in proper documentation to verify my identity. 

I am distressed and this is affecting my livelihood. I have missed out on financial deals and acquiring assets because of inaccurate and fraudulent reporting on my consumer reports and at this point I have sought legal counsel and will continue with that process if this issues isn't remedied. 

There is personal information that is not accurate and there are accounts that I have no knowledge of. 

accounts : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX ; {$9800.00} XXXX XXXX  Date : XX/XX/XXXX, XX/XX/XXXX ; {$6600.00} XXXX XXXX. Date XX/XX/XXXX, XX/XX/XXXX ; {$10000.00}, {$10000.00} XXXX XXXX XXXX Date : XX/XX/XXXX ; {$9800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX ; {$800.00} XXXX  Date : XX/XX/XXXX ; {$930.00} Personal Information : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( I've never lived at any of these addresses ) Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not work here inquiries : XXXX  Date : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX Please delete all of this inaccurate information
Consumer complaint received 2023-09-19
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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
Consumer complaint received 2024-07-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CHERRY TECHNOLOGIES INC. (IL)

Hello, My social Security number was stolen by my boyfriend who opened up a person loan in XXXX of XXXX with a company called Cherry Technologies. They repeatedly call and text me every other day asking for a payment or to make one monthly payment of {$230.00} and they will wave all fees and penalties. other text messages I receive are threatening me that they will report to the credit Bureasus. I have called them and report that the account as fraud and they have denied my claim twice. Due to the fact that there is a bank account and card attached to the account. If they would look deeper into the matter, both of those thing attached to the account are not under my name but my boyfriend at the time XXXX XXXX. I have even contacted the person where the loan was used. They would get back to me and try and help but never did. I received another phone call today from Cherry Technologies XX/XX/XXXX and explained to them that this account is fraud and that I need to contact the merchant.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (OH)

XXXX XX/XX/2023 I viewed my consumer report and noticed that there are several accounts that are not reporting accurately. According to the FCRA all accounts must be verified and 100 % accurate. As a consumer I am protected my congress, I've requested all three disclosures with my writtten consent and signature. U.S.C. 15 1681 ( a ) section ( 4 ) staes " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer right to privacy.. Please remove all the accounts listed from all my consumer reports immediatey to prevent future litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-24
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 was recently denied for employment from my job interview and I found out I had a fraudulent collection account on my XXXX credit report the name of the debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my identity was stolen and I ask for this account to be blocked and removed off my XXXX credit report and this is identity theft
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I looked at my credit report and notice inaccuracies! My current address is XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX! Any other addresses reporting are inaccurate and need to be removed!
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Went to buy a XXXX  sent a down payment to the company via XXXX  as they were showed to be a authorized provider thru chase. After the person dis not show with XXXX  I called chase to have the transaction reversed and was told it's my fault ther refuse to reverse it. Was told it's my fault I fell for a scam. When I brought to their attention they have the person on their platform they acknowledge there is much fraud and I just need to deal with it.
Consumer complaint received 2023-11-03
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. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am distressed to have this posted to my credit report without my written consent. This is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed. I am in the process of buying a house and this is hindering me from doing such. This account has inaccurate information. According to Law 15 USC 1681 I did not give written permission to have accounts furnished on my report. You have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2024-06-20
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)

Back in XXXX of XXXX I had severe health problems which led to me being forced to be under medically XXXX XXXX. Luckily for me the health issues I was able to overcome, after staying in the hospital for over 2 weeks I was then transferred to a XXXX XXXX for another 2 weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the hospital under XXXX XXXX my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with XXXX XXXX XXXX has been closed.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested that my personal information be updated and reflected to what my drivers license identifies. Proper spelling of name and home address and that any other addresses or incorrect spelling of my name other than whats on my drivers license is inaccurate and must be removed.
Consumer complaint received 2024-05-29
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: EQUIFAX, INC. (NY)

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 2024-05-29
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. (CA)

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 XXXX XXXX : 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 2024-07-31
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)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One QUICKSILVER Credited My What Have Should Been An Open End Account XXXX XXXX XXXXXXXX But Now Are Attacking My Credit For Almost Double The Amount. Its Very Unfair The Tactics They Performing Against Me. I Have Tendered My Payment In Good Faith No Response Means They Have Accepted My Payment In Tender But Closed My Account & I Still Owe How Is That Possible. I Called Before XXXX  & Before The XXXX XXXX XXXX XXXX XXXX New York To Pay In Good Faith & They Refused My Payment Numerous Of Times.the APR is way of New York States Requirements which is XXXX  %
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/year>, my IRS tax refund of {$970.00} was erroneously deposited into a Truist Bank account ( Routing # XXXX, Acct # XXXX ) that is not mine. 

I discovered the error on XX/XX/year> and contacted both the IRS and Truist Bank. XXXX advised they're unable to assist, stating I am not the account owner. I opened a claim with the IRS which took them from XXXX to now to reply and suggest that recovering these funds XXXX require a civil lawsuit due to Truist 's inability to return the money.

Truist Bank 's actions may violate consumer protection laws, including Regulation E, by accepting a deposit intended for one individual into another person 's account and subsequently refusing to return the funds. While I am not a Truist customer, the bank accepted a deposit in my name into another customer 's account.

I am requesting the BBB 's assistance in resolving this matter before pursuing further legal action. The funds rightfully belong to me, and I believe Truist has a responsibility to rectify this error.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. XXXX XXXX and Equifax!!! There are 3 chare-off accounts that were considered fraud, XXXX XXXX  credit card accounts and XXXX XXXX XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX approved a fraudulent charge to XXXX XXXX on XX/XX/year> for XXXX 2 laptops that totaled {$6200.00} XXXX. XXXX Bank of America ( B of A ) VISA was attached to my XXXX account, so this charge appeared on my XXXX  account the next day. XXXX sent this text on the evening of XX/XX/year> : " [ XXXX ] Did you pay {$6200.00} to XXXX XXXX on XXXX XXXX? Reply 1 if yes or 2 if no. [ Reply Needed ] '' I did not reply as I thought it was a scam ... XXXX should have never approved this transaction until I confirmed it. 
B of A initially credited the charge as they opened a fraud case but just deemed the charge legal and placed the {$6200.00} charge back onto my XXXX  balance. XXXX has also deemed the transaction legitimate. 
I tried but could not contact XXXX XXXX... I'm assuming XXXX and B of A could contact XXXX and investigate the purchase. Where were the laptops shipped to? 
What VPN address were the purchases made from? Thank you. 
XXXX XXXX
Consumer complaint received 2024-07-22
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I ordered an item from XXXX and cancelled the delivery with the carrier. The item was not delivered and sent back to the shipper. Item requires signature normally. I disputed the charge because the refund process did not occur normally within the normal time frame the purchase was made 82 days ago as of XX/XX/year>
Consumer complaint received 2024-05-13
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. (AZ)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

there are two cars on my credit that I never applied for. This is fraud and I want this to be remove from my credit report this is wrong and I never authorize this, and they have repossession on my credit which is not mine. The address on my credit is wrong and my name is wrong as well.