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: American First Finance, Inc. (OH)

I am filing a complaint with XXXX XXXX XXXX and American First Finance. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to American First Finance regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2024-02-01
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MD)

Recieved multiple calls from XXXX Won't give me any information unless i hand over all of my info. Won't give me the information i want ie. If they can even collect this debt in my state. An itemized bill for such debt. Have been hung up multiple times. I have no debts. They keep saying hippa laws. Which a debt company can not hide behind. I truly believe the people who are using this number is a scam business and needs to have their business license revoked permanently.
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: Experian Information Solutions Inc. (LA)

Experian have failed to delete these accounts when I pointed out the inaccurate information between different bureaus including experian that was reported on my credit report. The information below was inaccurate with the dates listed below. I also sent a copy of my credit report to experian showing the inaccurate information as well. I know according to 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information these accounts should have been deleted not updated. Experian had investigation over XXXX days ago and sent email saying their investigation was correct and complete. How can their investigation be correct when I pointed out inaccurate dates listed below. Therefore their investigation was not complete and was inaccurate which is rules for deletion from my credit report. 

I asked to have a re-investigation on these accounts below and, you sent an email notification advising all accounts were accurate and the investigation was complete and I know all items of information on my credit report should be XXXX XXXX accurate when reporting on my credit report. I checked my credit report today and noticed that account below is not XXXX XXXX accurate between the different bureaus XXXX account number XXXX is reporting date last active XXXX with XXXX and XXXX with Experian. It also says last reported is XXXX with XXXX and with Experian it is last reported XXXX. It also says date of last payment is XXXX with XXXX and with Experian is say date of last payment is blank with a line. All of these items of information is found to inaccurate are reporting inaccurate and not XXXX XXXX accurate reporting on my credit report. 

XXXX XXXX account number XXXX is reporting date opened XXXX with XXXX and with Experian is reporting date opened XXXX. It is also reporting date last active is XXXX and the last reported is XXXX and the account is charged off as bad debt with profit and loss with XXXX and with Experian it reporting date last active is XXXX. This item of information is found to be inaccurate between the XXXX bureaus and not XXXX XXXX accurate reporting on my credit report. Also this account is showing a balance of XXXX and last reported XXXX and last active date again was XXXX. 

They have violated my Consumer Rights under 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 US Code 1681s-2 Responsibilities of furnisher of information to consumer reporting agencies. 

I also attached of my credit report that shows the inaccuracties that experian have reporting on my credit report.
Consumer complaint received 2024-04-15
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. (CA)

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

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a delinquent account on my TransUnion credit report from XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Tx XXXX ; XXXX XXXX that is not mine. I have attempted to report this fraudulent account to XXXX XXXX, both by myself and with the help of XXXXXXXX XXXX XXXX XXXX but XXXX  will not assist me with locating the fraudulent account to investigate. The account is damaging my excellent credit report with false information.
Consumer complaint received 2023-08-03
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. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2024-04-15
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. (WI)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-15
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. (GA)

I've made several attempts to communicate that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents that stem from this crime. These entries are associated with transactions that I neither initiated nor authorized, involving no goods, services, or money transactions on my part. If disregarded, I request the removal of any pertinent information from my credit record resulting from the alleged fraudulent activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
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: EQUIFAX, INC. (NY)

I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (MS)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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.

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-04-15
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. (TX)

Hard Inquiries 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (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 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.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

At the end of XXXX I was on vacation in XXXX when I was XXXX XXXX XXXX  They stole my cellphone and wallet and thousand of dollars from my Chase checking account in the form of an ACH transfer of XXXX on XX/XX/XXXX plus a XXXX transfer of XXXX followed by a XXXX transfer of XXXX  and another XXXX payment of XXXX and XXXX transfer of XXXX. Later they would proceeded to use the physical card and XXXX  to take an additional XXXX. I called the bank to let them know my card was stolen and later to tell them that my identity had be compromised. Chase has denied all my claims.
Consumer complaint received 2024-04-15
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. (GA)

I recently tried purchasing a car and noticed I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report, it is a defamation of character.
Consumer complaint received 2024-04-15
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. (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. 
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 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 2024-01-24
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: JPMORGAN CHASE & CO. (TX)

I am writing in response to your recent communication regarding my inquiry about the information furnished to the credit agencies and my request for a 1099-C for the credit card accounts ending in XXXX and XXXX. I appreciate your assistance thus far, but I must express my dissatisfaction with your response. 

Firstly, it is important to note that I am not requesting the card member agreement, as it is irrelevant to this particular issue. My primary concern is the unverifiable account ( s ) that is currently listed on my credit file. As per 15 U.S.C. 1681g ( a ) ( 1 ), I have the right to request the removal of any inaccuracies or unverifiable information from my credit report.

Per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to obtain the identities and contact information, including names, employee numbers, phone numbers, and email addresses, of all individuals involved in verifying the account in question. Furthermore, I request the provision of the consumer contract containing my signature. This is done in order to ascertain the accuracy and validity of the reported information. Please comply with this lawful request promptly. 

Additionally, I would like to bring to your attention the requirement set forth by the Internal Revenue Service ( IRS ) regarding the issuance of Form 1099-C. According to IRS Publication if an account is classified as charged off and the amount exceeds {$600.00}, a Form 1099-C should be sent out to the account holder. To date, I have not received the aforementioned form for the charged-off account ( s ) in question. 

I demand that you take immediate action to remedy this situation by providing me with the necessary IRS Form 1099-C for the charged-off account ( s ) with amounts over {$600.00}. This is crucial for my tax preparation and compliance with IRS regulations. 

Furthermore, I request the deletion of the unverifiable account ( s ) from my credit file due to your agency 's negligence, which has caused me significant embarrassment and potential harm to my livelihood. It is your responsibility as the entity that furnishes information to the credit reporting agencies to rectify any inaccuracies or unverifiable accounts promptly.

I strongly urge you to not pass the responsibility onto the credit reporting agencies, as your company is the one transmitting the information to them. Therefore, you possess the authority and control to ensure the removal of these accounts from my credit file.

I expect a prompt resolution to this matter. Failure to comply with these demands may result in further legal action to protect my rights as a consumer as stipulated under 15 U.S.C. 1681i ( 5 ) ( A ) and 15 U.S.C. 1681n.

Thank you for your immediate attention to this serious matter. I trust that you will handle this situation with the utmost urgency and provide me with the accurate and verifiable information I have requested.
Consumer complaint received 2023-08-01
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. (SC)

Outstanding balance showed up on my credit report with experian forXXXX XXXX for {$500.00}. I never heard of them. Tried calling and left messages with no response on their error
Consumer complaint received 2022-12-20
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. (MD)

Account number # XXXX Dep of Ed/XXXXXXXX on XXXX XXXX original balance {$6000.00} Account number # XXXX XXXX XXXX XXXX on XXXX XXXX original balance {$33000.00} Account number # XXXXXXXX XXXX XXXX on XXXX XXXX original balance {$550.00} Account number # XXXX XXXX  on XXXX XXXX XXXX balance {$1500.00} Account number # XXXX XXXX on XXXX XXXX original balance {$850.00} Account number # XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX original balance {$410.00} Account number # XXXX Dept of Ed/XXXX  on XXXX XXXX original balance {$3100.00} Account number # XXXXXXXX XXXX on XXXX XXXX original balance {$880.00} Account number # XXXX XXXX XXXX XXXX XXXX on XXXX XXXX original {$5000.00} I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CONSUMER REPORT IN ADDITION I DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY REPORT THIS IS A VIOLATION OF FCRA 1681B WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

As your XXXX XXXX account was charged off and sold to Velocity Investments , LLC. Velocity Investments , LLC has become the servicer of this account. As a result, all payments and correspondence should be directed to : Velocity Investments , LLC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX ... This account does not belong to me.
Consumer complaint received 2024-01-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This has to do with banking policy regarding beneficiaries. We are old and having beneficiaries on our accounts is very important to us. This bank as well as all the other banks we have gone to will not show us the beneficiaries on our online app. We have to come into each bank in person to view the beneficiaries or change them. 
We asked the branch manager at Huntington Bank about it and were told that basically this is the way it is. I can mention other banks that have given us the same answer but you only wanted one. The date was XX/XX/2024. No amounts were involved of course since we just wanted to add the two beneficiaries. 

An other financial institution such as XXXX ( not a bank ) allowed us to view and change our beneficiaries online. I hear that XXXX  bank allows customers to to view and change their beneficiaries but we deal with banks that have a physical presence in our area.