davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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 am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The unauthorized hard inquiries I am disputing are as follows : [ XXXX ] Inquiry Date : [ XX/XX/2023 ] [ XXXX XXXX XXXX  ] Inquiry Date : [ XX/XX/2023 ] [ XXXX XXXX XXXX XXXX  : [ XX/XX/2023 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. Thank you for your cooperation. Sincerely, XXXX XXXX last XXXX [ XXXX ]
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL XXXX CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED EXPERIAN, XXXX AND XXXX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

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 XXXXXXXX
Consumer complaint received 2023-12-20
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX CO XXXX XXXX XXXX & CO XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
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)

hello I have tried to remedy the fact XXXX gave experian, XXXX, and XXXX has been reporting the history of my credit extension which XXXX understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations.

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Woke up today and seen XXXX XXXXXXXX XXXX  on my credit report. I never received any type of communication from them. No email or letter has been sent to me about this communication. Also this debt has been impounded by order of court. And the balance is also incorrect. I have proof of everything. I do not owe this debt at all. It was impounded by the court. Legal definition of impoundment of the court is that this information was to be sealed. It sealed by the court. The court is legally over XXXX XXXX XXXX. I also just called and XXXX XXXX XXXX is trying to illegally obtain money I do not owe. When trying to speak to them and explain to them one representative named XXXX told me that she has no clue what impound means and that I would need a lawyer and then hung up. They have violated my rights as a consumer. I have the right to dispute but they have taken that right from me by placing this on my credit report without me given a chance to dispute. Files will uploaded stating it has been impounded by court order. Also you will see its checked that by agreement the court having made no actual foundings. Bill Status of HB2299 is what states that this information was to have not been sold to any third party collector or debt collector.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NY)

According to 15USC 1681b ( a ) ( 3 ) ( A ) I am requesting that the inquiry that is not connected to any open credit account and occurred on XX/XX/2022 pertaining to ONEMAIN be removed. 

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2024-03-27
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. (MA)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Please see attached letter and FTC Report for the inquiries that I am disputing.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I have a Jet Blue XXXX serviced by Barclays for many years. Barclays sent me a new card and created a new account. I never made this request. I never received a statement. Apparently they opened this account without my authorization on XX/XX/2023. I received a letter on XX/XX/2023 stating my account was past due. Apparently, there was a {$99.00} Annual Fee on this unknown mystery card. They also charged me interest and penalties totaling {$210.00} in addition to the {$99.00}. I called immediately to protest on XX/XX/23. They said they would research. I immediately cancelled the card. They sent me a letter dated XX/XX/2023 demanding payment or they would put an unpaid charge off on my credit report. I made another phone call on XX/XX/2023. They denied my claim to reverse the charges. 

I paid the amount in full on this unknown account under threat of damaging my credit. I never knowingly made a charge. I am requesting a full refund from Barclays in the amount of {$310.00}. Their phone # is XXXX.
Consumer complaint received 2023-10-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

There is a card reporting on my credit report that I did not open. I wasnt aware of it because I was homeless at the time it was opened. Once I realized it, I thought I was supposed to be the one to repay it back. I wasnt aware that I could dispute because Im still new to how all of this works. Yet Capital One isnt removing it from any of my credit reports.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-12-20
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. (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.

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 2023-04-04
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: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$140.00}
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-20
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2019-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (NJ)

ON XX/XX/XXXX I WENT TO THE EMERGENCY ROOM AT XXXX XXXX XXXX AND WAS BILL {$750.00} FOR VISIT ACCOUNT WAS SENT TO COLLECTIONS. XXXX XXXX XXXX WAS PAID FOR THE SERVICES BY MY INSURANCE COMPANY XXXX  XXXX  XXXX  ON XX/XX/XXXX. NOW COLLECTION AGENCY PENDRICK CAPITAL PARTNERS II LLC AND XXXX XXXX XXXX IS TRYING TO COLLECT ON A PAID DEBT THEY ALSO REPORTED DEBT TO ALL 3 CREDIT BUREAUS. I HAVE CONTACTED THE COLLECTION AGENCIES WITH THE PROOF DEBT WAS PAID AND THEY REFUSE TO REMOVE THE FALSE CREDIT REPORTING FROM CREDIT REPORT I HAVE TRIED REACHING OUT TO THE THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM REPORT
Consumer complaint received 2023-06-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-27
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: EQUIFAX, 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. 

The letters are stated with items and issues. 

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-11-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I worked with Freedom Debt Reliefs debt consolidation program, and I was under the impression when I signed up that all of my cards would be paid off and thats why I would be paying a flat-rate fee to Freedom debt relief. That was not the case. What happened was that they allowed all of my cards to get more and more delinquent so that they could negotiate a better deal, which I was not aware they would be doing, and which resulted in me getting harassed by creditors, them showing up at my house, getting sued, but worst of all ; my credit significantly declining. When I tried to address it, they told me to just trust the process and basically said there was nothing they could do. I ended up paying off all my debt, but the creditors were a headache to deal with and now my credit score has significantly declined, hurting essentially every area of my financial life. They were not upfront about their processes or the potential repercussions associated with going through their program.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX