davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (NY)

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the banks associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts since the submission of the requisite documents. 

XXXX 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 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the following accounts would be promptly updated. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found multiple account of Affirm on my XXXX credit report that was not open by me. This has been hurting me as I am in the process oy buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-11-04
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. (MI)

There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX, AND XX/XX/202XXXX XXXX
Consumer complaint received 2024-04-22
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. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX ACCOUNT ENDING XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was required to pay off my XXXX XXXX loan in order to purchase a building for my business. I complied and paid it off. XXXX XXXX Experian, XXXX, and XXXX refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, Experian, XXXX and XXXX completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and XXXX them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Found a credit card on my report with Credit usage 109 %. CAPITAL ONE. 
Date opened XXXX XXXX XXXX Highest balance {$420.00} I've never applied for this card and never used it. not my debt
Consumer complaint received 2024-04-22
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. (CO)

Subject : Urgent Complaint and Request for Removal of Improper Charge-off XXXX XXXX ACCOUNT ENDING XXXX I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness. 
XXXX. **Failure to Provide Form XXXX : The agency did not supply me with Form XXXX for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks. 
XXXX. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information. 
Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Consumer complaint received 2023-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

on XX/XX/2023 I sent a debt validation letter to NATIONAL CREDIT SYSTEMS INC. 
They received the notice on XX/XX/2023 XXXX certified mail tracking. 
it has now been 1 month and 29 days of no proof of validation form under Federal Regulation F.

This account is reporting fraudulently due to Identity theft and is now in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as delete the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I appreciate the effort taken to address the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there are still remaining items that require removal from my credit reports. As a victim of identity theft, this serves as another request to eliminate these outstanding items from my credit file, attributed to alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. Despite the passage of several months, only a few items have been removed. I have previously raised this issue in my initial complaint, and I am reiterating it now, along with my new FTC Report XXXX XXXX Additionally, the information provided on these items is UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about their accuracy. Below are the specific items identified for removal per bureau : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

Have written in to Experian and XXXX  concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX card, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX , and XXXX
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NJ)

I have recently been concerned with suspicious email from the XXXX Crypto.com company. They have been sending emails regarding suspicious activity on my crypto visa card I asked them to shutdown multiple times. I believe they are on the downward spiral path of XXXX XXXX and their founder XXXX XXXX. Most likely attempting to siphon funds from my empty visa card. Please shutdown my account effective immediately as per request last year XXXX and year prior XXXX. Send check for any remaining amount to address listed.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX and Equifax report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. XXXX XXXX and Equifax lowered my credit score for the second time with this XXXX XXXX  credit card. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Trans Union and XXXX report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. trans union and XXXX lowered my credit score for the second time with this XXXXXXXX XXXX XXXX XXXX. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (GA)

This is my 4th time filing this complaint because AMEX refuses to provide the information requested IN DETAIL and keeps telling the CFPB that they've provided the information I requested and marks my new complaint as a " duplicate ''. Until the information requested is provided, this is NOT a duplicate complaint. 

The balance on my XXXX statement was {$5400.00} and I paid all but {$320.00} of the balance by the payment due date. AMEX says that as a result, {$4600.00} of my prior balance was subject to interest charges and charged me an interest fee of {$100.00}. 

I keep asking for the EXACT transactions used to come up with the {$4600.00} and AMEX refuses to answer that question. With the exact transactions used to come up with the {$4600.00} used to calculate the interest, I should be able to replicate the calculation and come up with the same daily accrued interest amount of {$100.00}. Moreover, they refuse to tell me why {$4600.00} of the charges were subject to interest fees when I only had a remaining balance of {$320.00} for 3 additional business days. 

I believe AMEX won't provide the requested list of transactions, because they do not know how the algorithm used to calculate monthly and trailing interest charges really works.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

Credit Card applied for during an Old Navy in store promotion, card received Navyist Rewards Mastercard through Barclays Bank. Purchased made in the amount of {$150.00}. Bill received for the purchases bill received for that and was paid electronically via our Bank on XX/XX/2023. Next we get another bill indicating payment not received and charging us a {$30.00} late fee and {$4.00} in interest. I contacted them and explained payment had been made they indicated they would check it. In subsequent conversations with the bank they said they received it and everything was fine. We get another bill showing everything due including payment we had proof had been sent to them. We faxed them proof of payment. 
In XXXX we get another bill looking for {$170.00} and showing past due amount. Then they start calling me. I explained again what happened, they asked that I fax again I went to my bank cot a copy of their records showing electronic transfer to them on XX/XX/2023 with payment XX/XX/XXXX. I faxed those documents to them. I got another collection call from them on XX/XX/2023 at XXXX, on a call that said the line was being recorded, telling me I was late with my payment. I spoke to XXXX XXXX XXXX, I asked her to see if they gotten my fax, she could not tell me. I explained to her the details of what occurred and asked her to check their records, she kept telling me that they never got my payment. I continued to ask to speak to a supervisor or manager and told her I hoped the call was being recorded and told her I would be filing a complaint and suggested she refer the call to a supervisor, after much discussion she said she would transfer me, she then proceeded to disconnect me. I never got a call back and I am tired of being harassed. I closed the account and shreded the card
Consumer complaint received 2023-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Navient charges me late fees even though I am on a IBR program and have been for years. Every time I pay their " late fees '' they repopulate and I have to pay more. The " late fees '' are more than my repayment plan. I have pushed and pushed and they continue to charge the so called late fees no matter how many times I pay them. My IBR payments are due on or before the XXXX of the month. I have made three payments to them this month and more and more fees generate. They say they are justified and I can do nothing to stop them from taking advantage of me and draining my financial situation until I have no money to even buy groceries. This is exhausting mentally and financially. I should not have to choose between feeding my family and paying back loans that were taken to better my life. The degree was worthless from XXXX and Sally Mae ( Navient ) pushed me into forbearance instead of better options. My loans are three times the amount I actually took out. Please stop them from charging these ridiculous fees. Thanks.
Consumer complaint received 2023-09-20
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 (OK)

Capital One Finance reported a credit inquiry on my consumer report XX/XX/2023. I did not authorize this credit inquiry. They also did not provide me with documentation and can not provide documents that I authorized this credit inquiry.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a call stating  I may b e served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two pymt s of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with   XXXX   XXXX  . He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Consumer complaint received 2023-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted XXXX, and Exeter Finance are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.