davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX. XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Payment history on XXXX XXXX XXXX is incorrect. It is stating written off in XX/XX/2018 ; however, there's no previous payment history. This is an attempt to keep the card on the credit report in a negative manner longer than XXXX years.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (OH)

I was charged on my citi credit card and have tried to resolve my complaints with Citi for many months with no assistance. I was originally charged {$100.00} four times for a few from XXXX XXXX for entry into the XXXX XXXX XXXX I was not aware that XXXX required an entry forum to entry the country until we arrived at the airport. We quickly searched how to do this and this company came up and charged a fee of {$100.00}. We had 5 people with us where 4 used the Citi Credit Card and one used XXXX credit card. I I quickly learned later that day that this entry forum is free by going to the XXXX XXXX 's official site. This is a scam and I disputed all 5 charges as I had no way to contact this company. The XXXX charges were credited by the company but they have not done so with the four charges made on the CITI card. I disputed this with CITI and provided proof of the XXXX  refunded the {$100.00} on my XXXX credit card which proofs that they agree that I should not be charged for a free service. This company may offer other services but that is not the intent and why I feel scammed by this company. CITI has been unwilling to reverse the charges despite my numerous calls and documentation, and explanation. I have no way to dispute with XXXX as they have no phone number and not located in USA.
Consumer complaint received 2023-09-22
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. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-05-12
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-04
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 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-17
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: CBC Companies, Inc. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602. He states I have the right to privacy 15 USC 1681, section 604 a, Section 2. It also states a consumer reporting agency can only furnish an account with my written instructions. Under 15 USC 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-04
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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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

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 2023-12-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lenox Financial Mortgage Corporation (MO)

LENOX FINANCIAL MORTGAGE CORPORATION has illegally ran my credit and won't return or answer phone calls in fact when I call and they see it's me and they hang up and now they refuse to answer CFPB
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.
Consumer complaint received 2023-12-04
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. (CA)

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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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. (OK)

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-09
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. (PA)

I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on TRANSUNION is : XXXX XXXX XXXX XXXXXXXX and XXXX the inquiries I noticed on XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (IL)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-12-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc. (KS)

XX/XX/XXXX I went to Car Mart and financed a vehicle for over {$10000.00}. After having the vehicle less than a week I had it in and out of Car Mart 's Repair Service and still made my payments. I had close to 3 months left of payments for a total close to {$1300.00}. Then in XXXX of XXXX the engine blew. I called Car Mart and they had it towed to their choice of auto repair shop. Their shop stated it would cost more to fix than what it's worth. The Manager of Car Mart told me that they would " write it off '' and " I can finance another vehicle. '' From XX/XX/XXXX to XX/XX/XXXX I waited for a call from Car Mart 's Manager while still paying my car payments and a {$500.00} down payment for " the next car '' and on XX/XX/XXXX they called to let me know they " have a car ready for me to check out. '' They said I could take it for 7 days to decide weather I wanted it or not. '' I took it home and had my husband check it out. Right off he spotted several things wrong with the car. So after thinking it over I took the car back after deciding it had too many issues by the XXXX day. 
By XX/XX/XXXX not only did they put BOTH vehicles were on my credit report, they listed them as a REPOSITION. 
I called the main office and they said they would " look into it. '' After 30 days I looked again at my credit report and they lowered the amount owed but still had them as a REPOSITION.
Consumer complaint received 2023-11-17
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. (OH)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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: Experian Information Solutions Inc. (CA)

The Credit Bureau has violated 15 U.S Code 1666b in continuing to report inaccurate late payments. Please remove all lates from the following accounts, XXXX ACCt # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated.

I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law. 

I am writing to dispute certain accounts on my credit report that I believe are the result of identity theft. After thoroughly reviewing my credit report, I have identified several accounts that do not belong to me. 

XXXX XXXX I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-04-20
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. (CA)

I am writing to formally notify you of serious violations of privacy and consent that have occurred on my credit report. Upon reviewing my credit report, I discovered inaccurate information that is being furnished by your respective agency, Equifax. This inaccurate information is causing significant financial harm to me. 

It is imperative that you understand that this information was not consented to by me during the initial investigation, as permitted by federal law. The laws and codes that regulate and enforce the remedy in such cases include but are not limited to : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) California Privacy Act & Consent Act The account furnished by XXXX XXXX XXXX was not consented to by me, and the violation and monetary remedy value far exceed the debt in question. It is clear that this inaccurate reporting is a direct violation of my rights as a consumer. 

To avoid legal proceedings, I demand that you, Equifax, follow federal laws and the California Privacy Act & Consent Act that I have invoked. I request that you immediately delete this inaccurate account from XXXX XXXX XXXX from my credit report. 

This request is made pursuant to FDCPA and FCRA and has been invoked by me, XXXX XXXX. 

I expect prompt action on this matter and confirmation of the removal of the inaccurate information from my credit report.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On Saturday at approximatelyXXXX, we went to the Huntington Bank located in XXXX XXXX and tried depositing {$6300.00} into an ATM machine. The ATM machine immediately took the money and began showing signs of error and took the entire amount without providing a receipt. The machine went into malfunction and showed a sign that said " currently unavailable deposit ''. I immediately called the after hour customer service number and filed a dispute. I also called and left two voicemails to the local branch. On Monday I visited the local branch without recieving any assistance or reassurance that i would get my money back. I reached the dispute team and spoke with a dispute manager on duty and they escalated the process. However I still have not receive an update from the local branch nor the dispute team.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bull City Financial Solutions, Inc (NC)

I refuse to pay this BULL CITY FINANCIAL. BCF is reporting XXXX accounts onto my consumer report. My rights under the Fair Debt Collection Practices Act ( FDCPA ) and HIPPA allow me to contest credit report inaccuracies. According to FDCPA, I can challenge false information, and HIPPA deems accessing, obtaining, or transmitting Protected Health Information without authorization a criminal violation. BULL CITY FINANCIAL isn't the original creditor, and I never authorized them to report my private information. I've got proof of their questionable practices, from inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). Validation and verification are not my concerns ; it's the false data on my credit report. They must remove this incorrect account and other negatives swiftly. If not fixed within 10 days, I'll take it to the United States District Court for the Eastern District of North Carolina. I'd rather sort this out amicably, but time is running out.
Consumer complaint received 2023-12-04
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. (VA)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for transunion, XXXX, and XXXX to reinvestagate and please inform me where they validate these inaccurate items from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.
Consumer complaint received 2023-08-07
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023