davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please delete these items ASAP.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I trust this letter finds you in good health. I am writing to formally register my complaint regarding the presence of fraudulent items on my credit report. Despite my multiple attempts to rectify this situation, these fraudulent entries remain, causing severe distress and harm to my financial well-being. 

The fraudulent items in question, associated with [ account/reference numbers ], were discovered on my credit report on [ mention the date you first noticed the fraudulent items ]. Since then, I have consistently reported these items to your agency through various channels. I have submitted detailed documentation, including police reports, affidavits, and supporting evidence, to substantiate the fraudulent nature of these entries. However, my efforts to remove these fraudulent items have been unsuccessful to date. 

I want to emphasize that I have acted responsibly and expeditiously throughout this ordeal. I have taken every possible measure to protect my financial integrity and have diligently followed your company 's prescribed procedures for disputing fraudulent items. 

I am formally requesting the following actions to be taken immediately : A thorough and diligent investigation into the fraudulent items on my credit report to confirm their fraudulent nature. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the considerable stress, financial harm, and inconvenience caused by the presence of these fraudulent entries on my credit report. 
I understand that maintaining the accuracy and integrity of credit reports is paramount for the financial industry and consumers alike. It is my belief that addressing and rectifying these fraudulent items is not only my right but also a crucial step in upholding the credibility of the credit reporting system. 

Failure to address this matter withinthe exact time frame from the date of this letter may compel me to pursue legal remedies or involve relevant regulatory authorities to resolve this issue. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-04-06
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. (UT)

I am writing in response to a letter dated XX/XX/XXXX from XXXX regarding my account ending in XXXX. 

I received form 1099C from XXXX in XX/XX/XXXX for my XXXX tax season/refund. I went ahead and reported it to the IRS as income since the form clearly states in box 2 that {$1500.00} is an amount of debt discharged. 

It's therefore very deceiving that XXXX is indicated in their letter that the debt was not discharged and being reported to the credit bureaus accurately.

Per the IRS website concerning form 199C, it states as follows : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. 
An identifiable event has occurred.
Consumer complaint received 2023-10-09
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
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. (NY)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen and i atthached the police report made by the following companies 1=XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries 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, per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

Ally Financial is charging extra fees to utilize the phone for payment because they are having website issues! I have tried for 4 days to get into my account to pay my auto loan and finally paid my loan through the phone, which had additional fees associated with it. The part on the other end made this payment extremely hard for them as they are from a third-world country, which further complicated the process.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely for false reporting!!
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, XXXX are reporting an unverifiable bankruptcy on my credit report. On XX/XX/year>, I spoke with a representative at XXXX and they confirmed I have NO bankruptcy on file. I would like each credit reporting agency to remove this bankruptcy from my report immediately. I have letters from the United States Bankruptcy Court and from PACER that they do not report to credit reporting agencies. There is no way for XXXX, Equifax, XXXX, or XXXX to verify this.
Consumer complaint received 2023-10-09
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. (CA)

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

Fraudulent transactions on my checking account ( joint with my father ) were allowed to go through on XX/XX/22 and XX/XX/22 in three electronic transactions, adding up to a sum of {$1600.00}, which I reported on XX/XX/22. My father 's accounts had other fraudulent attempts at the same time but Truist blocked those. Despite the transactions on my account not looking similar to any transactions I have ever made, from a device that was not my usual device, I was never notified of potential fraud and Truist allowed my money to be stolen. My debit card was in my possession. Over the last 3 months, I have called Truist at least 14 times, visited my local branch at least twice, spent more than 5 hours on the phone with them, been told that a supervisor would return my call every single time but have not received a single call back, nor voicemail, to indicate that anyone has ever returned my call. I have left multiple unanswered voicemails with my local branch as well. There are at least 4 complaints relating to my claim. I thought maybe there was some odd problem where their phone system could not call my number specifically but I had the last representative hang up and call right back to see if the call would come through and it did. So all of these notations from Truist representatives stating that they tried to reach me by phone and received no response are an absolute lie. I wear a smart watch, never miss a call, and in live in a city where I even get cell service when I'm on the boat. I actually started to wonder if perhaps I am being scammed and was calling a scammer 's number to discuss the fraud transactions ( The " Fraud Office '' XXXX ) and that was why I was not getting anywhere, so I called the main Truist line directly from my secure Truist app and the representative confirmed that she did indeed see all of the notes on my fraud claim as recently as today. I am at my wit 's end. I have done everything correctly and responsibly and Truist states that it has " investigated '' and decided that the transactions were authorized. They weren't. I just want my hard earned money back. Please, please, anything that you can do to help me would be very much appreciated. Thank you!
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (OH)

I'm not liable for the debt with XXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Consumer complaint received 2023-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC (TX)

Hello, my name is XXXX XXXX, I submitted a complaint before about my Zelle account is banned with no reason. 
I think you might misunderstand about what is happening and what I want.

Let me explain for you, I received an email that said I can not use Zelle anymore from XXXX XXXX XXXX  since I enrolled Zelle with them, and when I tried to contact customer service from both XXXX  XXXX XXXX and Zelle all they said is my information is banned, for no reason. They have no ideas why my account is banned. 
They told me to read the agreement and I after reading, I found that I didnt violate anything on the agreement. So the customer service who helped me said it might be a mistake. Yes I know this is a mistake. 
And the solution I would like you to help me is unban or unblock my account so I can use Zelle like normal.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, XXXX, and Experian ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required 5-day timeframe. Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete these items ASAP.