davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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. (SC)

This is my XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-13
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I got my credit report and I was checking to make sure everything was correct. I noticed some unauthorized hard inquiries on my credit report that I didn't authorize to run my credit, I would like these hard inquiries remove from my credit.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

Account Opening Date : XX/XX/XXXX   Initial Funding : {$10000.00} A detailed timeline and summary of the events are as follows : XX/XX/XXXX   : Opened a new checking account, having been directed from a page advertising a bonus offering, and funded it with the requisite {$10000.00} ( among the other steps that popped up after the initial opening ) XX/XX/XXXX  ( 114 days later ) : Bonus not deposited into my account as promised per the terms of the offer. 

Upon realizing that the promised bonus was not credited, I sought resolution through the following channels : Initial Customer Support Interaction : Outcome : I was informed that no bonus was linked to my account and was advised to fax the bonus details to a specified fax number, after which the representative promptly ended the call. 
Engagement via Social Media ( XXXX ) : Outcome : Upon explaining my situation to Citi representatives on XXXX, I was simply redirected to call the initial customer support number the same one that previously yielded an unsatisfactory resolution. 

My efforts to resolve the issue through the suggested channels have been unsuccessful and unsatisfactory due to the absence of a supportive and problem-solving response. The lack of acknowledgment and action regarding the promised bonus not only contradicts the advertised offer but also demonstrates a considerable gap in customer service and support.
Consumer complaint received 2023-10-13
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. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Va XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear, XXXX, XXXX and Equifax I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding iteims listed on my consumer credit report : It has been over 30 days from the first letter was sent to XXXX, XXXX and Equifax send on XX/XX/XXXX. I have been ignoired and the Hard inquires have not been removed. 

Hard inquiries : XXXX XXXX XXXX  XX/XX/XXXX needs to be removed not authorized by me XXXX  XX/XX/XXXX needs to be removed not authorized by me XXXX XXXX XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX XXXX Inquired on XXXX XXXX, XXXX needs to be removed not authorized by me XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me Equifax US DEPARTMENT OF EDU Inquired on XXXX XXXX, XXXX need to be removed not authorized by me As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX/XXXX/XXXX  SSN : XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 7th 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 XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08
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. (MO)

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA (DC)

Please be advised I understand that I am a federally protected consumer and Mohela is violating my rights according to the FDCPA and FCRA., I dispute this account and give them 10 days to provide me the elements pursuant to 15 USC 1692g or no such debt exists.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported. 
Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on XX/XX/XXXX XXXX is no longer current and therefore must be removed. 
I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. 
I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it immediately.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

I am demanding that the account listed below to be DELETED immediately from my Experian credit report due to its reporting being in violation of the FCRA : Account Name Account Number XXXX XXXX XXXX XXXX This account was previously listed by XXXX XXXX  and was deleted by Experian. I've attached copy of my Experian reports from XX/XX/2023, XX/XX/2023, and XX/XX/2023, showing the unauthorized re-insertion of this information. 

In accordance with the FCRA, an item can not be reinserted on a credit report without sending a written notice to me within five ( 5 ) days of reinsertion. I have NOT received any such notification, which is a violation of my consumer rights.
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I had to get a new checking account due to fraud, and when I contacted support to change my banking information, which I did not want to provide via phone or email, as most companies nowadays have ways for you to fill out this information online without emailing over financial documents that contain sensitive information. 


This institution only allows you to update your banking information by providing sensitive financial documents, i.e., statements or voided checks, which contain all your banking information and can easily be hacked, making you vulnerable to fraud. 

This institution needs to implement much safer ways of updating banking information, as this current way puts many people at risk for bank account fraud.
Consumer complaint received 2023-10-13
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. (FL)

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

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 informationisinaccurate.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I spoke with the dealership about submitting several credit inquiries while only agreeing to XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2023-06-06
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-05
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. (LA)

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 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander had repossessed my sons car and put on my credit he did not pay to get back because tow truck had scapped the bottom and car came off hunge and landed side ways with damage now it it reported on my credit as charge off sold to another company with out my consent santander shows amount XXXX and other company showed XXXX so two amounts different and both on my credit report for a debit that shouldnt be on my report
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-13
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. (FL)

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

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 informationisinaccurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX XXXX 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted to the CFPB Portal for expedited review. Furthermore, I request that any corrections made to my credit report are promptly reflected.