davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX  Account Number : XXXX It's showing that I have a collection account. But here 's the thing, I've never been had any association with this account or company Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show this collection belongs to me? If it turns out there's no proof of this collection belonging to me, then it's only fair that this account be deleted. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2024-04-04
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. (NV)

XXXX XXXX | XX/XX/year> Account # XXXX {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX There is information that on my consumer report that is a result of identity theft 15 U.S Code 1681 c-2 - Block Of Information Resulting From Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of { {$1000.00} } for each violation and adverse effects on my creditworthiness and financial standing. Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies.

You are required to do what I am asking and block these transactions from begin reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Consumer complaint received 2023-10-07
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. (TX)

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. 

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 inructions 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 2023-10-07
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. (TN)

I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process
Consumer complaint received 2023-10-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Last year I tried to open a business account. I went to the branch to ask what type of information would they need to start the process. The young lady that initially help was acting very strange. Without giving me anything or any information. I was being forced out of the location with threats of calling the police. As I walked towards the exit the manager pulls out his phone an called 911. Before traveling less then a block police sirens where wisking throughout the area... .I will try to retrieve the information that may have been emailed about the dispute. Also in XX/XX/2023 tried to cash a check totally denied an could not ask questions because of past experience. All help is appreciated I am a XXXX XXXX  XXXX  XXXX  all support welcomed..
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I filed a FTC report and police report in accordance with the FCRA and submitted disputes. The paperwork was not filed correctly and the disputes were not submitted correctly. And I have not gotten copies of the verification process
Consumer complaint received 2024-04-04
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit report and : - I have a XXXXXXXX XXXX account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXXXXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX, which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021XXXX XXXX Date of Inquiry XX/XX/2021 & XXXX Date of Inquiry XX/XX/2021.
Consumer complaint received 2022-12-09
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)

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 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 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 2021-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

XX/XX/XXXX Past due Invoice XXXX for {$71.00} received from XXXX XXXX XXXX XXXX for XXXX test requested by XXXX XXXX XXXX. I contacted XXXX in a series of phone calls and they said I had two other invoices outstanding for {$290.00} & {$30.00} ; I informed them that I have never been to XXXX XXXX XXXX. XXXX was sending invoices to an address that I have not lived at since XX/XX/XXXX : XXXX XXXX XXXX, XXXX GA XXXX ; I paid XXXX {$160.00} as a settlement in XX/XX/XXXX to take my account to {$0.00} even though we could not confirm services ; Then, in XXXX I checked my credit report. XXXX XXXX XXXX was reporting on XXXX, XXXX, and XXXX Collections of {$290.00} Seriously past due for XXXX XXXX. I contacted XXXX and CCS and asked for it to be removed or reported correctly. CCS also recorded the phone calls and I asked XXXX to provide me copies of the recorded calls. On XX/XX/XXXX the CCS Collections information changed on XXXX and XXXX but still showed past due. Then, on XX/XX/XXXX, the information changed on XXXX. All 3 reported that I incorrectly owed past due amount of {$140.00} ; Since XX/XX/XXXX, I've made multiple attempts to have the collections to be immediately removed. Also, on XX/XX/XXXX, XXXX XXXX with CCS told us on XX/XX/XXXX that CCS asked all 3 Credit bureaus in EOSCAR to remove this collection from my account.
Consumer complaint received 2023-10-07
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I purchased a Vanilla Gift Card yesterday ( XXXX ) for {$70.00} ( +the activation fee ) from XXXX ( XXXX # XXXX XXXX. I opened the card to use for payment and I noticed that some numbers were missing. The XXXX code is also missing. I thought I might just use it in store and swipe it, but the magnetic stripe is damaged with glue or some other substance. 

I have called the numbers on the card several times and could not get a human and the electronic options ask for card number- which I can not provide. 

I was in a hurry ( went to a different XXXXXXXX XXXX ) purchased another Gift card, that does have the numbers, but each time I try to use it I get a XXXX error code and they will not accept it. 

I would have welcomed the opportunity to resolve this with Vanilla directly, but did not hear a damaged card option to select on the phone nor see a damaged card option on their website ( where you check balances ) to select to upload the pics of the damaged card and receipt.
Consumer complaint received 2023-10-07
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. (TX)

During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on Equifax ( XXXX unauthorized inquiries ), XXXX ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I reviewed my credit report to verify my credit information about my most recent claims to update the accounts that were reported late. Back in XXXX, I sent a letters to XXXX, Equifax, XXXX asking them to investigate these accounts listed below : -XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX On XX/XX/XXXX , I sent certified mail letters requesting they re-investigate these accounts. I received their results saying everything is complete and accurate. I looked at my report and saw nothing had changed. 

As required by 15 USC 1681 subsection ( I ), they are supposed to update, modify, or delete these accounts, and as required by 15 USC 1681 E B, they must ensure maximum accuracy. When a person knows or has reasonable grounds to believe that the information about a consumer is inaccurate, they shall not furnish that information to a consumer reported agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Under 15 USC 1681 subsection ( g ), credit agencies are required to obtain and verify information from reliable sources when updating consumer accounts. While the specific instructions given are not in line with legal requirements, credit agencies must ensure the accuracy of information through methods such as reviewing public records, conducting their own investigations, and receiving written instructions from consumers if necessary. 

Providing written instructions to credit agencies is crucial because it ensures clear and accurate information is recorded.It ensures that the credit agencies understand the exact accounts and information that needs to be updated or deleted, and it provides them with written documentation that can be used to verify that the instructions were given accurately.Written instructions also provide a record that can be used for future inquiries or disputes, ensuring that the consumer 's request is correctly processed. 
They lied on an official document by saying they reinvestigated, but they did not. The three credit agencies failed to reinvestigate the accounts listed above.
Consumer complaint received 2022-10-29
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)

This is my several 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, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$73.00}
Consumer complaint received 2018-07-16
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. (IL)

The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy. I havent gotten a response in over 30 days.
Consumer complaint received 2023-01-12
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. (MS)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX XXXX XXXX  : {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this claim due to : I have no knowledge of this account, it is fraudulent. AND IS REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Consumer complaint received 2023-12-04
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}