davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-11-14
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (NJ)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account Not Mine : XXXX  XXXX XXXX : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

I was charged inaccurately by XXXX, I'm XXXX and order online they charged my account on XX/XX/XXXX {$100.00} and {$51.00}. I called XXXX they said it was fraud and call my bank immediately, as I did I told them about those charges they did what is called a provisional credit, and they continued to overturn charges from XXXX and give provisional credits, XXXX had made mistakes on my orders which happens with them often I've called customer service they credit my original method of payment, they credited me on XX/XX/XXXX {$10.00} also on XX/XX/XXXX {$53.00} U.S bank came in on XX/XX/XXXX and did a reverse of provisional credit and took both of those credits which neither belong to them. I've called several times been on the phone gotten several different answers been treated rudely and dismissed by one 's that didn't want to do their job. I've also had them try and intimidate me as well as acuse me of changing my story. I had an issue previously regarding a provisional credit I never received I called them back they stated I never called, at that particular time my calls were being recorded by the police so I had evidence I had called the date time name down to the second, I was immediately credited. Their calls are recorded also so this shouldn't be to difficult to determine. Also they have done a forced post adjustment on XX/XX/XXXX for {$38.00} which I've called and received no response or resolution for, on XX/XX/XXXX I received a reverse post adjustment for {$51.00}. On XX/XX/XXXX I had called XXXX to complain regarding their delivery services and told them I'm hiring a personal shopper that I want my membership fee reimbursed they obliged due to their errors and I received a partial refund of {$51.00} which was part of my membership fee. Like I said before U.S bank came in and took that. I sold my house in XX/XX/XXXX I came into a branch to deposit my check at that time I had sat down with a branch employee and my father to put him on the account due to not knowing if I was going to live to see the funds dispersed due to the threats from my ex, at that time I was told that I was being switched over to the account I currently have where my monthly maintenance fee is reimbursed, months later I realize that's not the case and I go into a branch to straighten it out I had quit using the account and it was fees being charged making the account deficit, I told them exactly what the issue was and was told they would not close the account until it was brought current I said you owe me a year worth of fees for not changing the account like you said you did on the day I was here for a couple hours signing papers I was told to bad. I want my money straightened out and reimbursed and the account zero out and closed.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-15
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NH)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2022-11-23
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-14
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. (OH)

I have been a victim of identity theft in the past and noticed a few accounts listed on my credit report that did not belong to me and were unauthorized. I don't have a contract with XXXX XXXX and did not consent to them having any of my personal information. Not only is this account fraudulent but it is also inaccurate, invalid, and incomplete and an unauthorized. These accounts are ruining my life and my reputation with the banking system. I need these accounts removed immediately. I have been getting denied for a mortgage and I really need this for myself and my family.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$6300.00}.
Consumer complaint received 2023-11-01
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. (NJ)

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX XXXX  Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have XXXX address for years now. All the address on my credit is wrong. I did tell the credit bureaus to delete them. Wrong information is still on my credit report. I attached the address on here so yall know which one is inaccurate. 

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 a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (WI)

I paid off my XXXX credit card due to refi of my house. I had a balance of {$20.00}, they could see it was paid off and refused to issue a refund until one full billing cycle. When I asked if they were going to pay me intrest because if I used thier money and did not pay it off right away I have to pay intrest. Talked to 2 manager, even was yelled at, thier policy is not send out over payments until 1 full billing cycle, not done manually. So they get more intrest off the money of mine. I asked for the account to be shut down, it still shows online active. When I called about it they say it was shut down, when I asked why I can still see it active on line, the responce is well you are signup for online. What does that even mean? Shouldn't it stated clsoed or not allow me to view things online? What a horrible card to deal with. Perfect payments for over 3 years, but when it come to giving me an over payment, well we can't do that. I closed the account down and still they will not refund until next billing cycle. I can't believe they will not refund {$20.00} now and instead lost a good person who has used XXXX of dollars, paid on time and never complainted about the intrest they have. I just want me money due to me now since the account isn't even open anymore.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I'm attempting to unfreeze my credit through Equifax. 3 days ago, on Sunday XX/XX/XXXX, I unfroze my credit through Equifax 's online portal. I got the confirmation on the screen to show the lender I was with. 

Today, I received a call from the lender that the freeze is still on my account. I tried to unfreeze it using their online system, but it isn't working. When I called the number on the site, the customer support employees said that the site was down and was unable to fulfill my request. Or help me. 

This is unacceptable for one of the three major credit bureaus can't unfreeze my account. Or that their site can be down for any length of time. 

Thank you.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-14
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. (NY)

This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-11-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/23, I lcvd a txt alert from Synchrony Bank about fraudulent activity on mu Lowes acct, I spoke with rep and account closed. 

XX/XX/23 I rcvd in the mail a XXXX credit card opened in my name with a charge of {$2700.00}. Spoke with Fraudulent dept, the acct was closed. 

XX/XX/23 I dcvd a notice in the mail from XXXX that someone was attempting to open a XXXX credit card in my name, spoke with Fraud dept and application closed
Consumer complaint received 2023-11-14
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX. XXXX  XXXX -LATE PAYMENT XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX. XXXX XXXX  XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within 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.
Consumer complaint received 2023-11-13
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)

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.