davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
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: DISCOVER BANK (FL)

I have tried for many months resolving a dispute with my Discover credit card for a charge for baggage from XXXX XXXX on XX/XX/XXXX in which I was not refunded for fees associated with baggage when I did not end up checking bags in and also for misleading me about charges and hiking up prices at the last minute due to glitches in their online XXXX website. Discover reps have been playing unprofessional and hard headed at not solving my claim. I was asked the usual stupid question by reps in claims department " if I had a letter from XXXX that stated the airline would refund my money ''. That is ridiculous of course not. The airline will try at all costs not to refund my money but Discover is not helping me at all and manipulating the dispute by not providing me any documents to support their decision and denying my claim just because they feel like it. Since XX/XX/XXXX I called and tried to get an update but nobody would talk to me and the dispute remains closed I was told. I wrote a letter advising them that if my dispute was not resolved professionally I would file numerous complaints to try to get a favorable answer. I have submitted lots of paperwork to support my claim. Please see attached letters.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a debt collector on my credit report by the name of XXXX XXXX XXXX for {$1500.00}. This debt was previously being reported by XXXX XXXX XXXX XXXX XXXX ). I disputed this debt to the credit bureaus and the account was deleted because the information was inaccurate. A new debt collector ( XXXX XXXX XXXX ) is now reporting this very same debt but the disputed information has still never been verified.
Consumer complaint received 2023-06-19
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)

This is my second 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 XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am an Identity theft victim and Transunion refused to block the accounts on report despite providing them with all of my information thats requested for a block. I provided them all of the documents required for a block of the information. I sent my ID, my Identity theft report, my social security card as well as a utility bill. They stated that they verified the accounts but The fraudulent accounts are also 100 % inaccurate and are in violation of usc1681e ( b ). I attached all of the documents that I sent Transunion via certified mail along with a notarized letter. All of the accounts agreements with the creditors are under litigation. If they actually did an investigation, they would know that from the creditors. That's how I know it's a computer that rejected my Identity theft claim.
Consumer complaint received 2024-04-11
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)

In accordance with the Fair Credit Reporting act the below listed accounts have 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 : It also states a consumer reporting agency can not furnish a account without my written instructions I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act the below listed accounts have 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 : It also states a consumer reporting agency can not furnish a account without my written instructions I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. Details of the accounts are as follows : 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 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX was breach and admitted to my information being stolen back in 2020. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit
Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (GA)

Company Ally XXXX XXXX XXXX, MN XXXX Agreement # XXXX Vehicle : XXXX XXXX I held the loan on this vehicle since XXXX. Paying a total of XXXX. I made the last payment online XX/XX/XXXX. We I ran my credit respire a month later, I realized that Ally Financial put a late payment on my account for XXXX. I called Ally and asked them to remove it as I had not had a late payment in over 2 years and I was unaware that I had a balance, and if I had know I would have satisfied the debt. My payment history over the last 2 years exemplifies responsible intention to satisfy the loan. I am a co-signer on the vehicle, I have been dopey paying for the vehicle for the past 2 years. The primary loan holder was responsible for late payments prior to the last 2 years. I would like to have this late payment removed. I have satisfied the outstanding XXXX as soon as I was made aware.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company has chosen to close this account. They have erroneously placed charges onto a card. They continue stating payment is due when they have failed to communicate. However, they erroneously closed the account outside of the realm of the equal credit opportunity act. This account was never past due, did not have inactivity, and no default whatsoever. My account was paid on time each month. Capital One chose to close the account, and they have chosen to forfeit payment because they closed the account. They need to stop billing me for an account they closed and for violation of the equal credit opportunity act.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " Investigate every piece of the information '' on the account i have listed below. also i have attache the letter i sent out and here is the tracking # XXXX Account - XXXX XXXX XXXX XXXX # XXXX According to the FRCA the Term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did no do a proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % Accurate. and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2023-05-26
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. (NV)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-04-11
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. (LA)

Upon careful review of my credit reports from XXXX, EQUIFAX, AND XXXX. I have noticed the presence of multiple illegally re-aged accounts being reported to my consumer reports. This information is in fact damaging my credit worthiness and prolonging the statute of limitations on the debt regarding the accounts. The companies that have illegally re-aged the date of last activity on my report after each account 's default includes the following companies and their dates : XXXX XXXX  Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XXXX, EQUIFAX XX/XX/XXXX XXXX, XXXX  XXXX Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX XXXX, and XXXX Account Number XXXX XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX ). All of these companies are in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605B for intentionally reporting fraudulent and false information. I want these accounts blocked and removed from all consumer reporting agencies regarding my credit reports.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX 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 2024-04-11
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. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees
Consumer complaint received 2024-04-11
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. (IL)

I contacted Equifax on XXXX to inform them that I have been a victim of identity theft. I'm an XXXX XXXX  and my information was compromised in a data breach from the Office of Veteran Affairs. I have inquiries and accounts opened in my name without my permission. The inquiries are Equifax Mortgage SER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage SER XX/XX/XXXX, XXXX I'm attaching my letter that I sent to Equifax with supporting documents. 
I filed a police report and forwarded it to Equifax making them aware of what has happened. Equifax has ignored my request to remove the inquiries from my credit report. At this point I'm looking to remedy the situation before I ask questions to legal council.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-04-11
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. (TN)

I am writing this complaint because upon review of my credit report and consumer disclosure reports, I noticed an account on my credit report associated with a company called XXXX XXXX XXXX was being re-aged. The last time I paid on this account was back in the year XXXX between the months of XXXX or XXXX. The account was charged off on XX/XX/XXXX. Currently the date of last activity reports that I have been active on this account as of XX/XX/XXXX which is factually false, misleading, and inaccurate. This account has been exposed to fraudulent activity and I want it blocked and removed from all consumer reporting agencies immediately! It violates the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605 for identity fraud. The account number for this account is XXXX.
Consumer complaint received 2018-08-12
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: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2018 I mailed 2 certified letters to XXXX XXXX XXXX XXXX XXXX to have them validate 2 different collection accounts that they are reporting on my credit bureau report. One is in the amount of {$2900.00}, and the other one is in the amount of {$2600.00} In my certified letters I included copies of the area on my credit report where it shows all the information for them to validate the debts. The response I received back from them was they were unable to locate and validate the debts. Because they are unable to locate and validate by law they are supposed to remove the debts from my credit report, and as of today they are both still reporting.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NM)

Jefferson Capital bought debt from XXXX. It was charged off in XXXX of XXXX. I owed XXXX money after they shut off my phone in the middle of the pandemic. When I started working on improving my credit, suddenly Jefferson Capital is sending me mail constantly. I owed XXXX {$240.00}. Jefferson Capital sent me an offer for their Payment Rewards Program stating that if I paid {$150.00} within 6 months, they would cancel the remain balance. I paid the {$150.00}. Jefferson Capital immediately put the {$85.00} back on my credit report as a collection. I held up my end of the deal, and Jefferson Capital failed to do so.
Consumer complaint received 2023-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

Notice of case assignments for my filing demands for consumer arbitration with XXXX. 
To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. From : XXXX XXXX. Please take notice that on XX/XX/2023, I filed multiple comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX which have been assigned case numbers. XXXX was served on XX/XX/2023 with all my individual case filings and XXXX other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees. The arbitration cases relate to every XXXX account which has been assigned to you as a Debt Collector, Including your files with reference numbers XXXX and XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. I am confused that XXXX has assigned the same accounts to multiple law firms but some day XXXX may get its ducks in a row. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant. I strongly suggest that you promptly recommend to your client and get its approval to voluntarily dismiss all pending state court actions without prejudice to mitigate damages. Sincerely, XXXX XXXX
Consumer complaint received 2018-08-12
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. (MN)

I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.