davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues I have been facing in my attempts to remove fraudulent items from my account with 3 Credit Bureaus. 

Over the past several months, I have made multiple attempts to rectify the fraudulent items that have appeared on my account. These items are not authorized by me and are causing significant distress and financial hardship. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the fraudulent items on my accountand promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my disappointment, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I believe it is crucial to address this matter urgently and effectively. I request the following : Immediate action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue.

A formal written acknowledgment of the fraudulent charges ' removal.

Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11
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. (AR)

I have disputed negative inaccurate debt collection information on my Experian consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and Experian has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, Experian has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes Experian has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to XXXX and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying XXXX times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that Experian is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of Experian.
Consumer complaint received 2023-10-18
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues I have been facing in my attempts to remove fraudulent items from my account with 3 Credit Bureaus. 

Over the past several months, I have made multiple attempts to rectify the fraudulent items that have appeared on my account. These items are not authorized by me and are causing significant distress and financial hardship. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the fraudulent items on my accountand promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my disappointment, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I believe it is crucial to address this matter urgently and effectively. I request the following : Immediate action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the fraudulent charges ' removal. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraud items in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX  : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00}.
Consumer complaint received 2023-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Im writing this in accordance with the Fair credit reporting act, in regard to a negative statement on my credit report made by Bnk of America. This creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. In 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a Credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

On XX/XX/2020, I received a call from the Citi early warning fraud department about potential fraud on my Citi Doublecash card. I logged into my account ( in case the call was a scam ), and there were 4 unauthorized charges on my account. 

All charges were posted from the same date ( XX/XX/XXXX ) : XXXX {$16.00} XXXX {$15.00} XXXX {$15.00} XXXX.TR XXXX XXXX {$24.00} The customer support rep confirmed that all 4 charges would be canceled/refunded and my card closed and a new one issued with a different account number. I did receive the new card on XX/XX/XXXX, activated it, and used it. I logged into my account today ( XX/XX/XXXX ) to pay my bill, and 3 of the 4 fraudulent charges are still there. 

I have called 3 times today, for hold on each call for at least an hour. When I finally get through to someone, they transfer me to the " Security Department at XXXX '' but I just get fax machine noises and the call drops. I've been on the phone for almost 4 hours straight. I have tried the online chat function, but nobody answers. I can't even dispute the charges myself because they're >2 weeks old since they were supposed to be taken off my bill when I called after CITI let me know about fraud. They didn't remove the fraudulent charges that they had notified me about!
Consumer complaint received 2024-04-05
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-10-18
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)

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
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. (HI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiries reported in my 3 credit Bureaus credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX 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 2018-05-10
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. (WA)

I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are XXXX, Equifax, and XXXX XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.
Consumer complaint received 2024-04-05
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-10-18
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. (NV)

I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-18
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$430.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00}
Consumer complaint received 2023-10-18
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX ( page 4 ), XXXX XXXXXXXX XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX ( page 10 ), XXXX XXXX XXXX XXXX ( page 13 ), XXXX XXXX XXXX XXXX ( page 35 ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights : XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), EQUIFAX MORTGAGE SERVICES ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), FACTUAL DATA ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( I have never lived here ). 

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 an account without my written instructions.
Consumer complaint received 2024-04-04
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-18
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.