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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and 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 2023-04-24
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: EQUIFAX, INC. (GA)

On XX/XX/2023 I sent a certified letter requesting an investigation into some inaccurate account on my credit report. Equifax has not responded to the request within the 30 days given. They have not done their duty mandated under the law. 

Also, they have violated my rights even more because in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, which it is not. This is grounds for removal.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Its Best Buy credit card XXXX interest rate for 18 months ends So got new billing on XXXX Original bal. left was {$160.00}. New statement the bal. increased by almost 3 times of previous bal. With a XXXX % interest rate plus a fee charge of {$6.00} on new billing. Was expecting interest rate increase but not this high. Total amount on best buy due as of XXXX is now {$340.00}. Its ridiculous and outrageous cause financial harm. That's the gist of it. Okay then thank you verry much regarding this matter. 
Best Regards Cordially Best Buy XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

Two credit cards were opened fraudulently on XX/XX/XXXX, I do not know by whom. I have made a dispute. Some places the card was used at were XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX corner store. I have no idea who could have done this but this needs to be removed from my credit report because I have not opened a credit card with XXXX XXXX XXXX They have used an address here in XXXX XXXX which is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Another credit card was opened XX/XX/XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The company has responded however the correct action has not been taken pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please see the attached documentation sent by XXXX XXXX showing a XXXX balance as of XX/XX/2023
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY ()

I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from TD bank and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with TD bank. The next unknown account is with XXXX XXXX XXXX. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called XXXX XXXX XXXX and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, Experian is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately.

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by Experian and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : FXXXX XXXX XXXX  This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.
Consumer complaint received 2022-12-10
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. (MS)

Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, XXXX XXXX and Equifax has been reporting inaccurating information to report.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Pursuant 15 USC 1692 805. Communication in connection with debt collection 15 USC 1681 15 USC 1692a section 803 ( 6 ) debt collection 15 USC 1692e section 807 XXXX, Trans Union and XXXX has been reporting inaccurating information to report.
Consumer complaint received 2023-09-12
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)

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

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-03
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)

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15  USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Consumer complaint received 2023-09-12
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. (PA)

I am writing to request the immediate removal of late payment entries from my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ).

According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. 
I believe these late payment entries are the result of a clerical error or misunderstanding. 
Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to remove these erroneous late payment listings from my credit report. 
As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made Thank you for your immediate attention to this matter.

Please find account below : DEPT OF EDUCATIONXXXX Account # XXXX
Consumer complaint received 2023-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 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 furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXXXXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (MD)

XXXX XXXX XXXX XXXX The company is not claiming to receive my payments on XX/XX/XXXX amount {$410.00} XX/XX/XXXX amount : {$410.00} XXXX XXXX ( don't remember exactly what date XXXX Since they kept saying that they hadn't received any payments since XXXX, I pad through their web site.They have also dinged my credit.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a credit card with capital one that was previously registered with XXXX Pay for purchases without the use of my physical credit card. When I tried to re-activate the credit card with XXXX Pay Capital One required verification which was to take pictures of my photo ID. I took pictures of my photo ID multiple times which Capital One said they couldn't read. The mobile app has no other forms of verification, so I called the company. I spent over 2 hours trying to get the situation resolved without success. Capital One 's verification processes do not take in to account faces of color and instead says the IDs cant be read. Then they don't have alternate means to correct the issue. This is DISCRIMINATION. Because at this point I am not able to use services that I should have access to simply because my face is difficult to see through an online app.
Consumer complaint received 2023-09-12
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, XXXX Account 's XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX, have 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : XXXX XXXX XXXX This account is listed as being XXXX days late. I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries XXXX days old and add a promotional suppression to my credit file. 

This is a clear violation of my rights under ; 15 U.S CODE 15 1666 15 U.S CODE 15 1681B Please Remove these late payments from my account.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (FL)

This company with a XXXX XXXX with phone # XXXX is texting & calling anyone I may know regarding a debt I owe. No contact via mail, nothing and they are referring to a very old ( XXXX yr ) contact information. Also calling XXXX. I barely know the people they are reaching out to and no one has contacted me. It is threatening and embarrassing.

United Recovery Systems who I had never heard of before.
Consumer complaint received 2022-12-08
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. (NM)

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (IL)

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.