davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX 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 2023-04-21
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TN)

I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
Consumer complaint received 2024-04-11
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)

FCRA 605B seems to say we need to erase any errors from my credit report. Can you see if there are any mistakes in the documents? Some of the listed accounts have wrong details, like the amounts and dates.
Consumer complaint received 2024-04-11
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. (NJ)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (CA)

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. This erroneous information is negatively impacting my credit report, and I request that you promptly correct it. 

The information I am disputing : XXXX XXXX. 

I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process.
Consumer complaint received 2024-04-11
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. (CA)

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. This erroneous information is negatively impacting my credit report, and I request that you promptly correct it. 

The information I am disputing : XXXX XXXX. 

I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process.
Consumer complaint received 2023-10-17
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. (FL)

I mailed a dispute to Experian XX/XX/2023 to have this alleged debt removed from my consumer report. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately :
Consumer complaint received 2018-08-13
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: Experian Information Solutions Inc. (TX)

IN REGARD TO : EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT CERTIFIED LETTERS DETAILING AND OUTLINING I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AS WELL AS FORGERY IN MY NAME I HAVE SENT IN ALL SUPPORTING DOCUMENTATION AND ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AND I'M HIGHLY UPSET. 
THE WRONG FRAUDULENT NAMES LISTED ON MY CREDIT REPORT ALONG WITH THE WRONG FRAUDULENT ADDRESS LISTED HAS CAUSED ME FINAINACIAL HARDSHIP.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX XXXX company placed my mortgage under bankruptcy that was discharged on XX/XX/XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XX/XX/XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX  XXXX veteran.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid 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: Santander Consumer USA Holdings Inc. (IL)

on XX/XX/2020 I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with chrysler capital. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also never gave any material disclosure disclosing that it was an attempt to collect a debt, at the initial communication in this consumer credit transaction which is a violation under 15 usc 1692e. Also, XX/XX/2020 Chrysler Capital issued a statement/ bill in the mail and on the envelope/statement it has their logo, which is also another violation of 15 usc 1692. The statement also shows a positive balance that they say I allegedly owe, which is also a violation of 15 usc 1692. If it is something I owe it should show in a negative balance. The first time they violated 15 usc 1692e ( 2 ) was at the initial communication of the consumer credit transaction, when the retail installment contract show 3 different amount owed : finance charge {$8700.00}, amount financed {$12000.00}, total of payments {$21000.00}. Lastly, the statement/bill should not say it is a attempt to collect a debt which is a violation of 15 usc 1692b. ( 2 ).
Consumer complaint received 2023-05-10
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. (PA)

Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-20
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. (SC)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations
Consumer complaint received 2023-04-19
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: The CBE Group, Inc. (TX)

Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Company closed my account because they saw fraudulent activity in my account. They said a check was deposited in my account with fraudulent funds. I explained this wasnt me and to do an investigation but they just closed my account and said I owe them money. This is fraudulent because this was not me and this is defamation of character because this is negatively affecting my credit report as Im trying to get a house.
Consumer complaint received 2018-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (AZ)

Every month when I attempt to pay my mortgage there are issues with paying it. I pay online as I am in Arizona and the property is in Ohio. I am never able to access my online account and it is constantly changing. I call into the mortgage company and they are not able to assist me with this. The only thing they have to offer is over the phone payment with an additional {$12.00} charge or I end up having to pay a late fee of {$20.00} as after the XXXX of the month, my account always miraculously starts working again. This has been an ongoing issue for over a year. I also cancelled my home owners ins in XX/XX/2017, as the home is under a land contract and the tenant has his own home owner 's policy and they are still charging me $ XXXX/mo for ins that has been cancelled. I believe this is fraudulent.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (PA)

I had 2 loans w XXXX XXXX XXXX I am referring to the loan number XXXX at this time it looks like it has been removed from my acct but it seems that it is still reporting under my husbands name XXXX XXXX XXXX. just recently had joint credit ran and it is showing up w wrong information. it is reporting that this acct was in foreclosure status. this account has been paid off since XXXX of 2013. like I said this acct was removed from my act but somehow still reporting. also with this being deleted from my acct why hasn't my credit score improved. all my payments are current. my score has not budged in the last six months. I have done disputes w all the bureaus. it looks like it was removed but when my credit was just ran it is still showing. 
because this was a joint acct both credit repots/scores need cleared
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I hope this message finds you well. I am writing to address an urgent matter regarding inaccuracies on my credit report. Upon recent review, I have identified incorrectly listed old late payments on my accounts and wish to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not reflect my true financial responsibility. These discrepancies are the result of an error and require your immediate attention to rectify. The companies associated with these accounts have acknowledged the errors during our telephone conversations and assured me that they will rectify the issues. Please update the accounts below : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (NY)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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. (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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-04-11
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-08-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DE)

XXXX, Equifax, & XXXX are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address an error in the recording of a payment on my credit report, which was inaccurately processed by XXXX BANK. Despite making a payment on time, there was a discrepancy in the recording due to an error in their software system. Upon identifying this issue, I promptly contacted XXXX BANK to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. But the bank is not complying with their word, they said they would fix the issue but it's still remaining in my report. Please have this account updated : XXXX BANK XXXX
Consumer complaint received 2024-04-11
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Balance : {$13000.00}
Consumer complaint received 2024-04-11
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'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. 

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.