davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-08-29
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)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2024-04-19
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. (TX)

I am writing to formally dispute the accuracy of the information contained in my credit report. Upon thorough review, I have identified several inaccuracies that have not been rectified despite previous attempts to address them. 

I have diligently followed the dispute process outlined by your bureau, providing supporting documentation and explanations to support my claims of inaccuracies. However, despite my efforts, the errors persist, and there has been no resolution. 

It is imperative that these inaccuracies be promptly addressed and corrected to ensure the accuracy and fairness of my credit report. I kindly request that you conduct a thorough investigation into the disputed items and take the necessary steps to rectify the errors. 

I appreciate your attention to this matter and request regular updates on the progress of my dispute. Your prompt action in resolving these discrepancies is crucial. 

Thank you for your cooperation.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the following companies numerous times XXXX, TransUnion, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses, names, and phone numbers where people have fraudulently used my name and associated my name or a wrong name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though have only stated it has been confirmed the fraudulent names, numbers, and address are mine even though I have denied all the inaccurate information on the reports though the companies refuse to remove the inaccurate names, addresses and phone numbers.
Consumer complaint received 2024-04-19
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. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a XXXX collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of XXXX  legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-11-10
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. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX XXXX and I have a credit card with American Express. Last year of XX/XX/XXXX there was a check # XXXX in the amount of {$3000.00} was mailed to American Express. 

This check was mailed out on or around XX/XX/XXXX and after 30 days of no activiity it was believed that this check may have been lost in the mail. Check # XXXX that was written on my behalf by XXXX XXXX XXXX XXXX and sent to American Express now had a " stop payment '' placed on it. 

A new check was created by XXXX XXXX XXXX XXXX in the amount of " {$3000.00} '' and mailed to American Express. The number on this check was # XXXX and it is dated XX/XX/XXXX. The check was " cashed '' on XX/XX/XXXX and my American Express account recieved the credit of {$3000.00}. I have obtained a photostatic copy of the cleared check # XXXX. It is worth mentioning that my XX/XX/XXXX statement from American Express now shows that I have a balance of {$82.00}. 

The month of XXXX would reflect that everything is fine and that there were no problems. However, in early XX/XX/XXXX it would appear that someone at American Express had found the lost check # XXXX and attempted to cash check # XXXX. When this failed on XX/XX/XXXX AmEx had erronesously REVERSED the credit to my account from XX/XX/XXXX. Now my account is showing a balance of {$3300.00}. 

Over the past 11 months I have made several phone calls and I have explained this situation many times. I have provided proof in the of a copy of the cleared check # XXXX in the amount of {$3000.00} and I have enlisted the help of XXXX XXXX XXXX XXXX employee XXXX XXXX. None of this has help and not I am requesting your help with this matter as well. 

Thank you for your time. 

XXXX XXXX, XXXX.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NJ)

This bank has me on ROBO automated dialing system, harassing me everyday when I specifically called them and told them I was going through a hardship due to COVID 19 on top of medical issues I can not disclose. Every month they are increasing and adding fees to my credit card. I have always payed off my debt at this time I need help. This company has not done anything but continue to harass me.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union has a bankruptcy on my credit report that is invalid nor not mines. I have notified Trans Union about this and XXXX has informed me that there is no bankruptcy reporting on my report with them.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

If you review the attached records, I have been paying these credit purchases off before the cycle closed and am still being billed financial charges on purchases that I have paid off in full and before the ending cycle date or closing date.

I have attempted to discuss this with the customer service representatives and they seem not to be able to add the payments over the last three-month period and look at the purchases and see and understand that the payments have always been more than the purchases and they still charge me financial charges. If I have paid you {$2900.00} one month against a balance of {$3000.00} does not give you such rights to charge me for the entire purchases that I have paid off before the cycle closes or even if the cycle closes, I still should not be charged financial charges for the complete purchases made. 

The previous month, I paid you {$4000.00} against purchases made for that month totaling {$3000.00} and you still charged me financial charges combined the two together and you have been paid a total of {$6900.00} on purchases in the amount of {$6000.00} and you still charge me financial charges. When I have paid such account overage in the amount of {$980.00}. 

This just does not add up. 

I need a full review and refund of my interest charged back to my account or I will have to cease doing any kind of business like this. 

This is intentionally robbing the customer in hope that such is not noticed.
Consumer complaint received 2023-08-29
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. (MO)

On the months, of XXXX, XXXX, and XXXX of year 2023  I sent over a verification letter to Equifax Credit Berau. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-08-29
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. (AR)

My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, Experian, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments.

Thank you so much for your help on this matter.

*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Consumer complaint received 2023-08-29
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. (WI)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-12-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX and an open date of XXXXXXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXXXXXX XXXX XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-09-21
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)

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 U.S.C. 1681. 

XXXX XXXX # XXXX  XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX  XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 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 agency if the person knows or has reasonable cause to believe that to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX someone accessed my account and removed funds in the amount of ( {$2500.00} ). I was informed by the bank that this money went to a XXXX XXXX XXXX account via XXXX and provided with a name and phone number of the receiver. In the meantime they issued me a temporary credit on XX/XX/XXXX  for the stolen {$2500.00}. 

On XX/XX/XXXX  I received yet another email stating that they found no error in this XXXX payment and on XX/XX/XXXX  they will be removing the {$2500.00} credit. I outreached the bank regarding this and was provided with the same response, that I sent this XXXX to XXXX XXXX XXXX and there is no error. 

I can ensure you that I did not send any XXXX  payment to anyone especially at XXXX in the morning. This XXXX  person is not listed in my contacts either, so again Im clueless as to who stole my money, yet again from my account. 

Nevertheless, due to the ongoing problems I have encountered with this account I have closed the savings however was unable to close my checking due to bank policy.
Consumer complaint received 2023-09-21
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)

There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )
Consumer complaint received 2023-04-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
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. (MS)

I have challenged Experians reporting of XXXX accounts. ( XXXX XXXXXXXX XXXX ) I wrote experian a USC 15 1681 605 letter letting them know these accounts are a result of identity theft. Experian failed to remove the accounts from my credit report. They verified both accounts. I sent the affidavit I have attached requesting their method of verification. In compliance with USC 15 1681 ( 6 ) ( iii ) ( 7 ) if requested by consumer the CRA has 15 days to provide their method of verification to the consumer, Experian has failed to provide me with any documentation proving these accounts belong to me. Also XXXX had confirmed that the account is a fraudulent account. I contacted XXXX. They have submitted a Univerasal form to pull reporting from all XXXX bureaus. XXXX has removed the account, why is EXPERIAN still reporting this account? All documentation is attached. EXPERIAN is subject of up to {$1000.00} per FCRA violation against me. I will proceed with arbitration if this doesnt get resolved immediately, EXPERIAN Remove both XXXX XXXX XXXX XXXX accounts from my credit profile immediately. You have not provided me with verifiable proof that these accounts belong to me. By law, you have to remove them.