davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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: NAVY FEDERAL CREDIT UNION (NV)

These accounts are not mine, I noticed them when trying to make a purchase. 

XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-08-30
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. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-06-15
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. (TX)

I am a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as XXXX XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with XXXX directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.
Consumer complaint received 2023-08-30
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

A debt of mine of an amount of {$50.00} was sent to a collections agency called XXXX XXXX XXXX. They mailed me about every week. I sent a check totalling {$50.00} to them properly labeled and written. Over a month went by before they finally cashed my debt and closed my collection account which happened on XX/XX/2023. They finally stopped mailing me on XX/XX/2023. Over a month AFTER my debt had been paid, the date on the letter is XX/XX/2023, a DIFFERENT debt collection agency, PennCredit, mailed me stating that I owed the same amount ( {$50.00} ) to the same company, even though a payment check was cashed over a month prior. After receiving this letter from PennCredit on XX/XX/2023, I waited until the next business day, XX/XX/2023, to contact them. On XX/XX/2023, I called their line and asked how to clear the debt. I was told an email to email ( XXXX ) and given information to provide for them to investigate. After sending an email to that email containing images of the cashed checks ( from my bank ), along with screenshots of the date showing that my debt had been paid, the compliance team emailed me back after less than 6 hours and notified me that " the proof of payment date provided is prior to the service date [ ... ] on file [ which ] is XX/XX/2023 ''. This was a complete lie as all of the attachments I had send them indicated that the check was cashed by the collector on XX/XX/2023. After receiving their reply I emailed back with another screenshot from the collector that showed that all debt had been paid off on the XXXX of XXXX, XXXX. I find the behavior of PennCredit to be shady and very malicious and that their compliance team is completely out of line by lying to me about my debt.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted and removed from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to remove these accounts and information.
Consumer complaint received 2023-08-30
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. (NJ)

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. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
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. (CO)

XX/XX/24 Someone applied for a credit card using my personal information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

Hello, I sent XXXX to XXXX on XX/XX/18. The money was debited from my bank account immediately. I got a message saying that it will take 3-4 business days to process which was unusual normally the recipient can pick up the money on the same day. The transaction showed Pending for an entire week. After that, the transaction showed Cancelled, no explanation. I did not cancel it. All this time, I never got an email from MoneyGram. I emailed MoneyGram twice, no answer. I want my XXXX plus the XXXX fees. Transaction no. is XXXX. 
Thank you
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had 3 credit cards with capital one. I have never once been late on a payment but in the past 6 months after a separation and chronic illness, i had multiple situations where my identity was comprised and my card was used without my knowlede. I reported all of these to Capital One immediately. I am a fully XXXX person and do the best I can. I had an issue with a XXXX XXXX XXXX a few weeks ago and they emailed me a verbally harassing email ( which I am not going to go into ) thinking I was trying to scam them but it turns out it was simply a misunderstanding. They did however report something to my bank and then my accounts were closed. I have no idea what would have happened. 

I called capital one last week and was told i could apply again, which I did and was immediately accepted for a new account. 

This was also closed, killing my credit rating. 

I want to repoen these accounts or just one, the last one opened and have another chance to be a cilent. I can prove that my identity was compromised and as a XXXX person it is prudent that I have a card like this. 


thank you
Consumer complaint received 2023-06-20
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. (MO)

I am submitting my complain for you to re-investigate the inaccurate items on my credit file immediately. I have not received any written removal regarding this issue. Based on FCRA, Section 605b It was the responsibility of the 3 credit bureaus to remove those fraudulent items which doesn't belong to the owner. The following items should be deleted and make sure they doesn't re-appear again on my current credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX BANK XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX CO XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have tried on many occasions with all 3-credit reporting agencies. they are report inaccuracies and inconsistency on my credit report. they are not metro compliance, all items they claimed to have investigated and how was that done and still its inaccurate and inconsistent no updates. remove they are hurting my credit. and all negative items that is hurting my score must be removed immediately. i have attached documents of proof of the inaccuracies and inconsistencies
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I believe this late payment entry is inaccurate and unfairly impacting my credit history. I respectfully request that you investigate this matter and provide a written explanation of your findings. I have consistently made timely payments on my account, and I take my financial obligations seriously. Any deviation from this pattern is likely due to extenuating circumstances or errors beyond my control.
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. (NY)

I recently checked my credit report and found incorrect information. on my credit report it shows an inquiry from XXXX, this inquiry is incorrect information. i believe someone used my personal information to apply for credit.
Consumer complaint received 2024-03-28
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
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: SANTANDER HOLDINGS USA, INC. (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
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: Experian Information Solutions Inc. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
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. (NY)

In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
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)

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 XXXX XXXX is 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 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.