davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : Cap One NA Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-12-03
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. (OH)

attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in connection with my credit report. I have recently obtained a copy of my credit report from your agency and have identified the following inquiries XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

I decided to switch fromXXXX to another carrier. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. Two payments were provide to complete this before they would unlock the phones to allow the new carrier to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to three people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new carrier. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from XXXX XXXX  to collect {$460.00} for the cost of the phones! Ultimately they deleted and the law office closed the account after proof was sent and now sent to another company, Credence Resource Management for the same amount. I have spoken with XXXX XXXX again who stated they opened investigation because they can only find the {$180.00} payment and will call me in 5 days and that was over 30 days ago. I called the collection company and they keep saying pay. I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!
Consumer complaint received 2023-09-22
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. (NJ)

THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from transunion and XXXX but not XXXX. Filed another dispute with XXXX  and XXXX  XX/XX/2023, no communication from XXXX  and XXXX  dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-08-31
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. (NJ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a Kohls credit card in store. The Kohls credit card was stolen before it arrived. Someone used the card to make a purchase. Kohl 's security immediately called me and said they suspected the card had been used fraudulently. They indicated that someone had used the card and had tried to change the associated contact information. They told me they had canceled the online transaction and that the other transaction would be marked as fraud. I then immediately canceled the card. I never actually received the card, and thus was never able to use it. 

Only one purchase was legitimately made which was in the store at time of opening, and the card was immediately paid off in the store.

Kohl 's collections started contacting me regarding the fraudulent purchases. Each time they have indicated that they had called me by mistake and that it had been marked as fraud. I get calls almost daily. When I answer, they indicate to me the same thing each time. I have now started receiving emails with the balance saying pending. 

I have attached police reports from XXXX, California and XXXX XXXX, California. I'm waiting for the police report from XXXX, California.
Consumer complaint received 2023-12-06
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. (TX)

on XXXX i sent certified mail experianXXXX XXXX, and XXXX containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (MA)

I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
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. (MD)

Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX in XXXX, MD, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just 1 credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for 3 years. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as 1 hard pull. Please help.
Consumer complaint received 2023-12-03
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. (AL)

I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my XXXX XXXX rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX  # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Consumer complaint received 2023-08-31
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. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-03
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. (CA)

XXXX XXXX XXXXXXXX I demand this be taking off my credit report immediately this is Account number not supposed to be on my report XXXX Open/closed Open Date opened XX/XX/2012 Account type Child SupportContact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/ I singed a contract for the lease of a XXXX XXXX XXXX. During this transaction, I fully disclosed I was XXXX XXXX military. I provided my military Common Access Card, and a copy of my LES which in turn I was given a {$500.00} military discount. Aside from my full disclosure, there are other options for financial institutions to utilize to determine if the borrower is in the XXXX XXXX. During this time, I was offered GAP Insurance for {$990.00} in the finance department. I agreed to this item without realizing this item is prohibited from being offered to XXXX XXXX military under the Military Lending Act ( MLA ). XXXX XX/XX/XXXX I had spoken with the base JAG and was informed since the financial institution did not follow the MLA the lease agreement was null and void. I followed by contacting Toyota Financial Services the same day to discuss the error. I stated the contract was null and void due to a failure on their part to abide by the MLA. I called on two separate occasions. The first person I spoke with only put in a SCRA request and said someone would call me back. I waited about an hour but called again and spoke with a gentleman. He told me that although the GAP is not allowed I have to remove it and resign the contract and if I do not resign the contract and hand in the car then it will be reported to the credit bureau as a " Voluntary Surrender '' and will negatively hit my credit. The problem is the current contract is not binding due to illegally selling me GAP insurance. Toyota Financial Services have threated negative action because of their failure rather than trying to rectify the situation.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

CRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OK)

This is XXXX  XXXX XXXX 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by XXXX  XXXX XXXX. 
Within the next XXXX months I reported the fraudulent charges to XXXX  XXXX XXXX, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a XXXX  or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.