davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal data reporting is inaccurate.
Consumer complaint received 2023-11-22
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)

This is XXXX XXXX please 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 2024-01-20
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: AMERICAN EXPRESS COMPANY (MA)

In XX/XX/XXXX, I was charged by American Express for services from XXXX, a provider of teeth-straightening aligners, which included a promise of lifetime treatment. However, XXXX filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and later announced a complete shutdown of all global operations on XX/XX/XXXX. This left numerous customers, including myself, without the promised services and support. 

Despite their bankruptcy and shutdown, XXXX has indicated that customers who financed aligners are still expected to continue making monthly payments in full. This situation is particularly distressing as the services for which I have paid can not be completed due to the company 's cessation of operations. 

I have attempted to resolve this issue with American Express. However, they have stated their inability to dispute the charge, citing system limitations. The charge I am disputing is directly related to the services that are now impossible to receive, due to XXXX 's business closure.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (MS)

I went to one main financial for a loan, that initially would have equaled XXXX a month to pay. They told me about these add ons and perks with the promise that I could cancel them whenever I desired.. my first payment was XXXX and I was appalled. I reached out to them and they didnt help me cancel, I tried working it out with them, but was not successful. I was taken to court, without my knowledge, and now Im being garnished
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (AZ)

On XX/XX/2023 i applied for a credit card. With a soft credit check i was approved. Once i was approved i authorized a hard check. I have an alert for fraud due to past activity on my name. AVANT Credit card companny then cane back and said due to the alert on my file they were unable to verify my identity and i was denied due to my email address. They never tried contacting me for more information. They never attempted to rectify this in any way and there was no reason for the denial other then a fraud alert. Denial of a credit account based on an alert placed by me to prevent fraud is a violation of the fair credit act. I advised them of this... i also advised if they cant veeify my identity, then who is to say XXXX XXXX initiated the Hard or Soft Credit check at all. Who is to say XXXX XXXX even applied for the card. The credit card waa denied since they said they couldnt verify my identity. They say they wont remove the hard credit check because they know " XXXX XXXX '' is the one who initiated the credit card request. However their denial states i was denied since they could not verify that " XXXX XXXX '' applied. Your denial must match the reason for the hard credit check. You cant have an approval and denial for the same thing.
Consumer complaint received 2023-11-27
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. (FL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-19
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-27
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
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. (TX)

XXXX Experian XXXX and XXXX fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-22
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. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (VA)

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (AL)

XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 

XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. 
XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. 
XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. 
ALLY FINANCIAL-XXXX  This company didnt have the authorization to run my credit at all.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-29
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and charge off that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention : I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report. 
Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law. 

Please provide me with written confirmation of the actions taken to resolve these disputes, along with an updated copy of my credit report reflecting the necessary corrections. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$24000.00}.
Consumer complaint received 2024-01-19
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. (SC)

I requested verification from collection agency about a debt from XXXX XXXX. They were not able to verify the information so they notified me by letter that they will be notifying the bureaus about deleting the debt. I also receive an email from the manager that works for XXXX that they requested deletion. All bureaus deleted except Equifax. All other updated the information. I contacted Equifax spoke to a manger. I disputed it online and they said the debt was verified, Equifax. The manager told me they dont look at the disputes on line and that the letter and proof does not matter you owe. I told him the law. He said it does not matter and it will stay. I have attached proof of all correspondence
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This complaint is not sent in error. My credit report has some false and not 100 % accurate accounts. This inaccurate information is affecting my auto insurance rates to be higher than they should be. 

Desired Resolution : I need you to address this immediately and delete these inaccurate accounts off my report. I am not going to be paying higher insurance rates because of what you are reporting.
Consumer complaint received 2024-01-18
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. (NY)

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

XXXX XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX XXXX Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-04-11
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. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sections 2 : States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or ahs reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have disputed these accounts for over a year now. They do not belong to me. XXXX a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX, XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.
Consumer complaint received 2023-10-29
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

My personal information for sold and bought illegally Im a victim of that Equifax data breach. I would like any and all negative items from the year XXXX throughout the year of XXXX deleted from my credit report. I have attached the PDF files with proof, I am a victim of the Equifax breach.
Consumer complaint received 2023-04-11
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-01-19
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. (NC)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXXXXXX XXXX