davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to formally dispute and request the correction of inaccurate information on my credit report, which is adversely affecting my creditworthiness. I have reviewed my credit report, and I have identified several errors that require your immediate attention. The inaccurate information pertains to late closed accounts and charge-off accounts, and I kindly request their removal and correction of late open account as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - please removed this late closed accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the accuracy of the late payment information reported on the accounts mentioned above. I have records and documentation to support that these late payments were not valid or were the result of extenuating circumstances. I kindly request that you investigate these discrepancies and update my credit report accordingly to reflect the accurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I dispute the validity of the charge-off accounts listed on my credit report. I believe that these accounts were reported in error or have been inaccurately marked as charged-off. I request that you conduct a thorough investigation into the status of these accounts and, if they were reported erroneously, remove the charge-off status from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the above-mentioned discrepancies and provide a written response within 30 days. I have enclosed copies of the relevant documents and supporting evidence to assist you in your investigation. These documents you are enclosing, such as payment receipts, correspondence with creditors, etc. 

If it is determined that the information reported on my credit report is indeed inaccurate, I expect you to correct my credit report promptly and provide me with a revised copy free of charge. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to correct or removed the following mentioned accounts above.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (NJ)

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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SLM CORPORATION (CA)

loan amount {$35000.00} denied on XX/XX/XXXX I received an advertisement from XXXX XXXX to apply for a pre-approved {$35000.00}. When my credit was checked they said my loan was pre-approved. Because I am self-employed I provided 12 Months Bank Statements to support my income. I was told I was denied because my debt ratios are too high. This would be fine if the statement was true. 

The fact is that my Income for the year was met with very few debts as evidenced by my Bank Statements and remaining balance. The High Debt ratio is false and misleading. There is no system in place to appeal false information and in addition, this places me in a position where now I have an inquiry on my credit report. It is a frustrating waste of time and effort. 

I believe that lending criteria should be clearly stated so that a Consumer doesn't wast his or her time and inadvertently reduce their Credit Score by adding inquiries to it.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-28
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. (IL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have previously disputed XXXX XXXX XXXX XXXX with said company and in response they verified the item as accurate stating that they have verified the information with the court. 
I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

This company has to respond to this complaint well after 30 days with no proof of re-investigation with the courts and I ask that this information be removed immediately from my credit report.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IN)

This is my second complaint about transaction ending in XXXX. 

The company only gave me {$7.00} in a goodwill gesture. 

They should have compensated or issued punitive damages to me, at least {$60000.00}. They " forced my hand '' which is a breach of contract ( good faith and fair dealing ) and breach of the Thirteenth Amendment. It's also a nuisance, trespass, and breach of the Shopkeeper 's Privilege. Again, I won a multi-billion dollar default judgement against the XXXX  XXXX XXXX XXXX, and I am hoping that Venmo does not close my accounts because this matter will be sufficient to pay back Venmo anyways.
Consumer complaint received 2024-02-02
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. (FL)

I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from my credit report. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They do not belong to me, I will never authorize them
Consumer complaint received 2023-12-26
Product: Credit 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 (RI)

My name is XXXX XXXX The card was taken over someone stole my identity and changed the email and phone number associated on my Capital One Credit Card. 

I have called Capital One several time and sent Police XXXX as well as letter from myself stating the problem. 

The amount that is fraud is {$1000.00}
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

XXXX on XX/XX/XXXX reported 30 days late. This is inaccurate there is still a pending payment for {$40.00} that has not posted but says posted/ pending posted.im guessing this is was caused an automatic reporting which is not correct because payment was made in time. I also called that week XXXX XXXX can pull the recorded call to their office. I understand this is an error but please remove the recent late payment.
Consumer complaint received 2024-03-28
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. (NC)

I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( experian, XXXX, XXXX ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

I used a XXXX 's credit card, later on could not afford the payments due to financial distress around the month of XX/XX/XXXX. Maintained contact with the company informing them of the situation and was reassured it could be handled with no credit repercussions. Later the account was sent into collections at which time i contacted the company and arranged a payment plan to pay the account in full with two payments of approximately {$150.00} dollars and was told the account would have a remaining balance of {$0.00} dollars. Looking at my credit report the company has me with a remaining balance of {$6.00} dollars with numerous late reports. This information is inaccurate and is effecting my credit score in a major way not allowing for my family and I to be approved for a home loan. Contacting the company I am continuously told there is no balance and nothing they can do for me as far as my credit report.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (IL)

There is an unverifiable public record reporting on my credit report. I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. I have previously disputed this public record with XXXX and XXXX to which they have responded that it has been verified as accurate. This is not true. I spoke with XXXX and they have advised that XXXX reported the information as accurate. This is a violation under 15 U.S. Code 1681b. I previously spoke with XXXX and they advised that they were unable to verify the public record and removed the entry from their database. I will be attaching the letter from the courthouse which states that they did not share my personal identifying information. I will also be attaching the letter I received from XXXX that stated they were unable to verify the public record and previously removed it from their database. 

This week, I spoke with XXXX employee on three different occassions. On todays date, XXXX finally stated that it was not XXXX who they retrieved their information from but instead, XXXX XXXX XXXX XXXX XXXX As stated previously, I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. This is a violation under 15 U.S. Code 1681b. 

I will be attaching all supporting documentation.
Consumer complaint received 2023-04-25
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit reporting, credit repair services, 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 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MN)

Synchrony Bank closed an account for inactivity. They claimed they would not reopen the account anymore. Indicating at XXXX time they would be able to. The account is listed on my credit check as closing XXXX, it is only 3 days later XXXX. 
Tires are not a constant purchase, to be actively using the card. If it were available to use for fueling it would have been actively used. 
This is not the first account the sham of a bank has closed for inactivity. XXXX account, again you are not constantly purchasing furniture. XXXX XXXX which was being used at least once a year. 
They suggested I reapply, assuring me I would be approved. I asked them why would I do so and take a hit to my credit score to have the account closed again.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-06-20
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)

The unverified items below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (TX)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. You have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm 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
Consumer complaint received 2024-03-28
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. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.