davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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. (LA)

Upon review of my Transunion and XXXX credit report I noticed some Hard inquiries that were not authorized by me I immediately placed an fraud alert on my reports and asked the bureaus to investigate and remove these fraudulent inquiries but they remain reporting I also reached out to the companies that pulled my credit files and asked them to investigate and remove these inquiries because I did not fill out a application for credit with them and believe I am a victim of identity theft On my transunion report I request to have these fraudulent inquiries investigated and removed XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXXXXXX on XXXX On my XXXX report I request to have these Fraudulent inquiries investigated and removed as i am a victim of identity theft ( XXXX ) on XXXX and XXXX ( XXXX XXXX  ) on XXXX and XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one bank had been withholding XXXX overpaid credit amount posted on XX/XX/XXXX that my boyfriend had sent into my account, I stopped work & owed a balance on my credit line. The rest of the amount has not been sent back to me i asked them why they are withholding it, they gave me no further information on why. They have held it for a month now with no explanation. They told me that I need to submit documents that's wasn't necessary & didn't made any sense, even with calling back for more information on it a representative wouldn't have that information written on notes that that's what I'm requested for to receive my money after I had spoken to a supervisor that claims that he writen it down in notes for the representatives to know the updates with my account situation. I even sent out a letter to the manager on XX/XX/XXXX to request my overpaid credit amount to be sent to me through check within XXXX business days, but they have seemed to refused to a check hasn't been sent on its way to my address yet. And received a voicemail call from a manager stating that they received my letter.
Consumer complaint received 2023-09-15
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. (TX)

I trust this finds you in good health. I am writing to address a matter of utmost significance concerning my credit report. After a thorough review of my credit history, I have identified several accounts that have been opened without my authorization, adversely affecting my creditworthiness. I firmly believe that these accounts are a direct result of identity theft and warrant immediate attention and resolution. 

Specifically, the following accounts are under dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX I kindly request that you prioritize the resolution of this dispute, as it directly impacts my financial stability and overall well-being. I urge you to take prompt action in removing these unauthorized accounts from my credit report and provide written confirmation of their removal.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX ( aka XXXX XXXX ) pulled my credit report 5 times. I talked them about the credit reports and the representative XXXX XXXX advised that they would send a letter to the credit bureau and have them removed, They sent me a letter to sign acknowledging they would take it off all three credit bureaus, Equifax, XXXX and XXXX. its been three months now and the inquires aren't removed. 

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 2024-06-05
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. (FL)

I tried to fix this problem since the frist time I sent letters from you. but until now still not fix why please remove this colections and inquiries now here 's the list. Thank you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXXXXXX XXXX XXXXXXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX Publication XXXX ( XXXX ), Canceled Debts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that Experian delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted within 10 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # Enclosed : 1099-c Cancellation of Debt Copy of Drivers License & Copy of Bank Statement to show proof of address.
Consumer complaint received 2022-12-05
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. (CA)

Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


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 Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX Has violated my rights. 


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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (CA)

I opened a loan with this company XX/XX/XXXX. I fell on hard times and entered into a credit counseling program in XXXX or XXXX of that year. The terms of my loan were to lower the payments to $ XXXX and the interest rate was supposed to be lowered from 35.23 % to 21.92 %. I noticed my balance wasn't going down over time so I called to inquire why. The rep told me because the loan was so new that I'd have to make more payments and wait until XXXX before it would be recalculated and any payments applied. I felt that didn't sound right but at the time was going through a divorce and health issues so I didn't look into it further. 

Fast forward to XX/XX/XXXX I pulled my credit report and noticed the balance on the loan balance has been increasing each month since XX/XX/XXXX rather than going down. I logged into the online portal and saw my interest rate was still 35.23 %, and monthly finance charges were {$200.00} which was the same amount of the monthly payments. I reached out to the debt management company and they contacted Lendmark and were informed my account was under review as the error was just realized in XXXX of this year. 

As of XXXX a credit of {$4800.00} was credited to my account, the interest rate lowered to 21.92 % and the current balance {$2200.00}. I called and asked ify account had been adjusted back to XXXX and I was told yes. I requested a detailed audit/breakdown of payments/credits and that my credit profile be updated according. The rep said there wasn't a breakdown, the account was credited accordingly and that I need to submit the dispute in writing. Informed rep if adjustments have been made I'm entitled to proof so that I can be sure they are accurate. Rep stated she could send me a copy of what she has. I received the copy and it shows nothing in detail, just the amount of the credits. 

I called the 800 # and the rep wasn't helpful, kept trying to refer me to debt management company and told me they'd have a detailed record of what transpired. I explained the situation, the rep then pulled up my account and realized what I was saying. She put me on hold to call the branch. I was told the branch manager was busy and I'd get a callback. I did about an hour later but was unable to answer due to work. 

Bottom line is my account was not handled properly. The failure to apply the correct interest rate in XXXX has negatively affected my credit. I should be able to see a breakdown of the payments applied, credits given and monthly balance since XX/XX/XXXX. Also, since it's Lendmarks error they should update my credit report accordingly.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (NC)

XXXX XXXX account shows closed with balance of {$150.00} on my credit reports. I have made payment to XXXX XXXX XXXX. on behalf of XXXX XXXX in the amount of {$150.00},, Reference # XXXX, but has not resolved the issues as of XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX  XXXX XXXX **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX - 03/15 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-16
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. (AL)

I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of the above companies are accounts that were opened up under my social security file without my consent.

The following inquiries were also opened up under my credit file fraudulently : 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 XXXXXX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.
Consumer complaint received 2023-08-24
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. (TX)

I recently sent a dispute on XX/XX/XXXX for a charge off / collection account from XXXX showing on my credit report & an additional XXXX account with 1 30 day late payment reporting. 

As a result of this dispute, 2 positive lines that were not disputed has been removed. Was my investigation properly done? 
I am showing all accounts from XXXX have the same account number, but different histories. 

The accounts that were deleted and not disputed by me were a {$1000.00} unsecured loan opened XX/XX/XXXX, & another {$1200.00} unsecured loan opened XX/XX/XXXX. 
The actual accounts disputed were a {$1200.00} unsecured loan opened XX/XX/XXXX & {$500.00} account ( they arent even reporting what type of account, ) opened XX/XX/XXXX. 
All of these accounts share the account number XXXX. It is clear the the investigation done by the CRAs and XXXX was not done properly. 

How can something like this happen? I directly disputed negative information I believe is inaccurate, and my positive lines were deleted as a result. These positive lines were accounts that were not even included in my dispute letter. This investigation was clearly not done properly. 

In addition, I am showing said negative accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau despite my previous attempt on XX/XX/XXXX to verify. 

This is this a MAJOR violation in reporting according to the FCRA and consumer rights of accurate reporting to my credit report. 
As a result of the negligence of your investigation not being done properly & the proper attempt I have made to ensure my information is being accurately reported, please delete these inaccurate negative accounts immediately as you have violated my rights & the Fair Credit Reporting Act.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account 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 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was in bankruptcy from XXXX   after job lost and paid faithfully until dismissed in XX/XX/XXXX. In which BoA CHANGED my report from XXXX  to XXXX  FOR years XXXX XXXX XXXX, the years I was in bankruptcy and paying on time. 
Further never mailed any correspondence or bills letting me know I still owe on debt. 
I only found out by credit report monitoring. They further report currently each and every month XXXX  as past due on a debt over five years old.
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (IN)

Experian : Has sent a letter with the name listed as " XXXX XXXX '' this was after I called and spoke with " XXXX '' ( my be mispelled ). I called and he asked me to verify I filed bankruptcy, I told him no. I asked to speak with a supervisor he said no, over and over. I called and was immediately hung up on. Then sent a letter with report stated as of XX/XX/2024 with the name incorrect and score of a XXXX. I have a printed report on the exact same day of XX/XX/2024 that is dated with name " XXXX XXXX '', score is XXXX. I mailed certifed mail with tracking number XXXX and accepted on XX/XX/2024 per USPS I requested for validations of collections and credit score in writing asking for method of verifications, advised of USC codes of violations, harrassments, the harm caused by false informations. 







I sent a letter to XXXX that was certified by tracking number XXXX it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Address to XXXX XXXX per our phone call we had because I called in and she told me she would handle everything just send her a letter to that address and not to XXXX GA address. I have not heard anything back since XX/XX/2024. Then on XX/XX/2024 a XXXX number called me and I asked who she was and told XXXX XXXX no last name, did not tell me what company, why was calling. Just started yelling, baggering, and said she want the money. I asked her where she got my number she said from a " skip trading base system ''. She stayed on the phone with me for XXXX. She told me to call her back at that number and she will keep account on my report till its paid. She did tell me someone from XXXX gave her my number also.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.