davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (GA)

I have submitted several complaints before for the Bankruptcy on my account that is not mine. Today, I am submitting a complaint for the FRAUDULENT items on my credit report. 

There are multiple FRAUDULENT items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-23
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. (IL)

I sent a letter onto remove 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 any items or information 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
Consumer complaint received 2018-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2018 my wife and I went to XXXX XXXXXXXX XXXX in XXXX, WA and ordered drinks in the amount of {$29.00}. When we left -- in a hurry -- we filled in the total to be an even {$30.00}, and signed for it. When we got home, we calculated that the tip was only {$0.00}. However, we discovered that they charged us a total of {$35.00}. I disputed the overcharge with CapitalOne and they immediately made a purchase adjustment on my account in the amount of the extra {$5.00}. The same day, the XXXX, I scanned my receipt and uploaded it for them to pursue the case ( Case number : XXXX ). Without further communication, on XX/XX/2018, I was charged for a " transaction rebill '' in the amount of {$5.00} for the Dining purchase made on the XXXX.
Consumer complaint received 2024-04-01
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. (FL)

My personal information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/1985 Phone Number : XXXX SS # : XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. 
Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 

2 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : XXXX {$1200.00} This account is not mine. 

3 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 

4 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. 

5 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 

6 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX XXXX Account Number : XXXX This account is not mine. 
Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. 

I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, and I am personally submitting this request to correct the error on my Credit Reports. I declare Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports to consumer reporting agency may furnish a consumer report no consent is fraud. The US Bank Court does not furnish information to third parties and therefore a credit reporting agency is a third party so that's forgery. Below are the item that is still reporting on my report : XXXX XXXX Bankruptcy Reference Number : XXXX
Consumer complaint received 2023-12-23
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. (NY)

I am submitting this complaint because I am scheduled to update my credit reports within the next 15 days. I am keen to ensure that the following inquiries have been expunged from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **********TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act stipulates that Credit Reporting Agencies must remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-09-25
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally complain about a serious issue concerning my credit report. Two different collection accounts, namely XXXX  account # XXXX and XXXX  account # XXXX, are currently being reported on my credit file for the same original debt. This seems to be a clear case of double jeopardy, and I believe this is in direct violation of the FCRA. 

Specifically, section 611 of the FCRA provides that consumers have the right to dispute incomplete or inaccurate information on their credit reports, and consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. The duplicate reporting of the same debt appears to contravene these guidelines, causing significant harm to my credit score and overall financial health. 

I have made efforts to contact both XXXX  and XXXX  to resolve this matter but have not received any satisfactory response or correction to date. The continued misreporting of these accounts not only distorts my true creditworthiness but also has potential legal repercussions given the violation of federal law. 

I kindly request the CFPB to intervene in this matter urgently. I expect a thorough investigation into these practices and that necessary corrective measures are put in place. Please also ensure that these duplicate entries are removed from my credit report as soon as possible to prevent further harm. 

I am attaching supporting documents to evidence my claims. I am willing to provide additional documentation or clarification if needed. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing this complaint to dispute with the consumer reporting agencies regarding inaccurate accounts that I have spotted in my consumer reports. Especially with EXPERIAN. I want to make certain that my letter to the consumer reporting agencies is responded to and the disputes are initiated per FCRA 15 USC 1681i. I want my consumer reports reinvestigated because there are inaccurate late payment notation and dates, and there is missing payment history information regarding some of these accounts. The negative, inaccurate, and incomplete information being furnished and missing from my reports are damaging my character and reputation. Please resolve this immediately.
Consumer complaint received 2023-04-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

I originally was paying payments through XXXX for a private loan in XXXX and XXXX for the amounts of {$1500.00} with an interest rate of XXXX , % {$9000.00} with an interest rate of 8.250 % and {$7400.00} with an interest rate of 10.750 %. I had paid on time until the loans were acquired by Firstmark in XXXX. I have paid over {$6900.00} in that time on time and without issue.and requested a refinance of the interest to the 8.250 % where they informed me that was not possible as they were not the ones to issue the loans even though they are the ones collecting on them. I have gone from {$19000.00} to {$12000.00} in 8 years this is just 35 % of the overall loan owned and I have paid off my other loans but Firstmark is the only company that will not assist in lowering the interest. In XXXX of XXXX a credit of {$3.00} was applied for an on-time payment incentive that was not applied at the time of the incentive should have been awarded. This amount was added to the principal balance to the account for the additional month I should have had the incentive, in 8 years and maintaining my payments timely, that is all I had removed.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IN)

I write a check for XXXX $ but chase bank took XXXX $ from my account, I called Costumer service and they say, there's no chance to solve the problem. 

The case number is XXXX
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (NY)

There is an inquiry that appear on my persona consumer report form XXXX, XXXX and Experian that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.
Consumer complaint received 2023-12-23
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. (FL)

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 Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I am a victim of cyber-crime committed on XX/XX/2023. Below is a series of events that transpired resulting in a loss of {$1000.00}. 

XX/XX/XXXX XXXX EST - Received an email from USAA stating that my cell phone number on my profile was successfully updated. ( illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that a person by the name of XXXX XXXX has been added as a recipient for XXXX transfers. Email address that was provided was XXXX ( illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$200.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that XXXX XXXX was added as a recipient for XXXX transfers. Email address that was provided was XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$300.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX ( Illegally ) XX/XX/XXXX XXXX EST - Received an email from USAA stating that I successfully transferred {$500.00} via XXXX to XXXX XXXX XXXX XXXX ID - XXXX XX/XX/XXXX - Approximately at XXXX EST I looked at my bank account online and noticed the illegal activity. 

XX/XX/XXXX - At XXXX EST I called USAA to report the criminal activity. I was told that my bank was going to be frozen to prevent any further illegal activity. Conversation lasted 12 minutes. 

XX/XX/XXXX - At XXXX EST I called USAA to discuss the situation further. The call lasted 18 minutes. 

XX/XX/XXXX - At XXXX EST another illegal XXXX transaction/withdraw of {$1000.00} was posted to my account in the name of XXXX XXXX ( Illegally XXXX. This occurred after I report the 1st XXXX illegal transactions and was assured that my account was locked and protected by USAA. 

XX/XX/XXXX - At XXXX EST I saw the illegal activity on my account. 

XX/XX/XXXX - At XXXX EST I called USAA to report the additional illegal activity. Was on the phone with USAA for 1 hour 19 minutes. 

XX/XX/XXXX - At XXXX EST I called USAA to get an update. Was on the phone for 1 hour 5 minutes. 

XX/XX/XXXX - Received an email/letter from USAA stating that no fraudulent activity was found and that no further action will be taken by USAA.
Consumer complaint received 2023-04-25
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)

I am writing to you to bring to your attention a serious matter regarding an erroneous credit report that has led to identity theft. Despite my repeated attempts to resolve this matter, I have not received any satisfactory response from your agency. 
Firstly, I would like to inform you that there are certain accounts that are not reporting on all three Credit Reports. This is in clear violation of Metro 2 compliance standards. As a consumer, I have the right to have accurate and complete information on my credit reports. The omission of certain accounts is leading to an incomplete and inaccurate credit report, which is affecting my creditworthiness and financial standing. 
Secondly, the erroneous credit report has resulted in identity theft, which has caused significant financial and emotional distress. I have repeatedly notified your agency about the fraudulent accounts, but the investigation has failed to resolve the issue. The lack of appropriate action has resulted in the identity theft persisting, and I am now facing severe financial and personal consequences. 
I strongly urge your agency to take immediate and appropriate action to investigate and resolve the erroneous credit report and the identity theft. As a consumer, I have the right to accurate and complete information on my credit reports and protection from identity theft.
Consumer complaint received 2023-12-23
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from 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
Consumer complaint received 2023-11-08
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-08-31
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-01
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX. Account Number : XXXX
Consumer complaint received 2023-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CO)

I moved and transferred my XXXX account to my new address in XX/XX/2022. Since I moved from the XXXX XXXX to the west coast they had to transfer me internally from east accounts to west. They went ahead and cancelled my service internally so they could transfer account manager. Then they charged me a cancellation fee even though I never cancelled. I never received a notice until XX/XX/2022 when I received it from a collections agency AFNI. I spent XXXX hours on the phone with XXXX on XX/XX/2022 where they explained what happened and apologized and said the debt would be cancelled but it was out of their hands they claimed their emails warning me were stopped by their system as my account was never cancelled so I shouldnt receive this notice. I kept getting harassed by the XXXX company and finally ended up paying a debt I never owed. Even though I paid they still struck my credit report. XXXX has apologized but said they have no way to fix their error. Their error has wrecked my credit.