davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (CA)

A collection agency by the name of Sequium Asset Solutions out of Georgia, called My XXXX XXXX XXXX work cell phone, I gave verbal permission to speak to my Case XXXX, the ageny representative XXXX XXXX, informed me that they received the account on XXXX XXXX XXXX First, he identified himself as collecting for XXXX XXXX, then he said it was XXXX I am formerly homeless, in low income subsidy housing and there was a deal that XXXX was giving to all the clients on site, XXXX received the equipment back, which should have been XXXX removed off the bill. Secondly, XXXX never notified me via email or mail that my bill was past due, nor that it was being sent to collections, NOR did i receive any sort of electronic or mail from the collection agency about the validation notice and was never given the 30 days i have to dispute the debt. 
According to FDCPA section 809 ( validtation of debt ) this was a violation because I never received the validation notice via email or via mail, and never notified that my bill was in collections, I am being charged for equipment never recived & it was never hooked up and was never informed that i had a past due until now and alledgely the bill went past due in XXXX
Consumer complaint received 2024-04-01
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
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. (PA)

I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-31
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: AmeriCollect (GA)

XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (TX)

" On XXXX XXXX, I booked a hotel stay with XXXX for a total amount of {$700.00}. Upon my arrival at the hotel, I encountered a significant problem- there was absolutely no parking available as explicitly promised by XXXX. The hotel 's notice indicated that parking could be found on a nearby street for a reasonable fee of {$8.00} per day. However, in reality, it was nearly impossible to find any parking space, and this issue was not mentioned anywhere during the booking process. 

Frustrated and left with no alternative, I chose not to stay at the XXXX XXXX  and found alternative accommodation elsewhere. Immediately after my experience, I reached out to XXXX customer service, explaining the situation and politely requesting a refund due to their failure to provide the promised parking service. To my disappointment, XXXX refused my refund request. 

As a result, I decided to initiate a chargeback with Chase Bank, my credit card provider, seeking to reverse the {$700.00} charge. Initially, Chase provided me with provisional credit for the disputed amount. However, I was recently informed by Chase of a claim reversal, putting me in a challenging financial position. 

I am reaching out for assistance, advice, and support from the relevant authorities to ensure that I am not unjustly held responsible for this {$700.00} charge for a stay at a hotel I never had the opportunity to experience. ''
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
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)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-01
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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)

I would like to follow up regarding the persistent existence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant risks to my financial well-being and reputation. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in my records. 

I urge you to conduct a comprehensive review of my credit file and the procedures and systems used by your organization to manage credit information. 

Furthermore, I request that you prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This may involve verifying the accuracy of the information, initiating disputes with credit reporting agencies, and advocating on my behalf to rectify inaccuracies in my credit report. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address these concerns and provide me with regular updates on the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX SAVINGS XX/XX/year> ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2023-11-08
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. (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 XXXX - XX/XX/17 XXXX XXXX - XX/XX/17 NQUIRIES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2024-04-01
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. (TX)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
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)

I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing presence of fraudulent items despite our repeated attempts to rectify this issue. As we enter the several attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems. 

Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance XXXX : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-19
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. (NV)

Good afternoon, XXXX, TransUnion and XXXX. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Consumer complaint received 2024-04-01
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. (CA)

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report. Additionally, I have contacted the banks associated with the fraudulent accounts. The banks have acknowledged the identity theft report 's authenticity and identified a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been erroneously present on my report for over five years. But somehow, these fraudulent accounts are still existing on my reoprt under your bureau and I'm wondering what kind of verification process have you done. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This credit card account is paid in full and closed. The monthly payment is due on the 15th of every month and I made 2 payments in the last billing cycle. One for about {$500.00} and one for about {$6100.00} to pay off the rest of the balance. The company once again marked me late and attached is my monthly statement directly from the company as well as a form from a phone representative supervisor who went over my account and told me I need to dispute it with the credit bureaus. My credit is continuously damaged by this account wrongfully reporting on my credit report and is making it very difficult to buy a home. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures. The company has shown a track record of not reporting properly and I have filed multiple complaints which are all in progress. I request that this account be completely deleted off of all my credit reports or at the minimum remove the last late payment and update to paid on time.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

Signed up for credit card with sign up bonus for airline points. I have not received the airline points even though I have reached and completed the terms and conditions for the sign up bonus. 
This is with the Chase Aeroplan Card : XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, from XXXX I temporarily lifted freezes at Equifax, XXXX and XXXX. Because I was able to open the new account soon after, I thought it would be best to re-freeze all three. I had no trouble logging on and placing immediate freezes on the XXXX and XXXX websites, but there was no option to do so on the Equifax site. 

Because I learned in XX/XX/XXXX that my ID had been stolen, probably a result of the Equifax breach, I keep it frozen whenever possible. When I called Equifax today to ask why I could not end the temporary freeze early, and freeze again, the rep took all my personal info, had me answer security questions and then told me it would take XXXX business day before my account could be frozen again. When I asked to speak with a supervisor, I was placed on hold for XXXX minutes before being disconnected. I have to assume that the only reason Equifax can not allow consumers to immediately refreeze is that they are involved in some ID theft ring and I hope the FBI is investigating!! Thank you!
Consumer complaint received 2024-04-01
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. (AL)

NO PROOF OF INVESTIGATION ON XX/XX/2024 EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Consumer complaint received 2024-04-01
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.