davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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)

This letter is to formally resubmit a dispute regarding an inaccurate account on my credit report. On XX/XX/year>, I submitted a dispute concerning XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX. 

I am writing again because the disputed information has not been removed from my credit report. The XXXX other major credit bureaus, XXXX and XXXX, successfully investigated and removed these inaccurate information. 


I request that you reinvestigate this dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Please find attached documents.
Consumer complaint received 2024-03-23
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)

XXXX XXXX account was open in XXXX. Ive been paid that account off they put somebody elses account on my credit. They refresh something on XXXX XXXX. This is not my account. I have no knowledge of this a first progress ending in XXXX reported on XX/XX/XXXX XXXX XXXX that collection is not mines I had a old XXXX XXXX credit card with XXXX Bank and that was charged off. This collection is not mine. I have no location to this account whatsoever. 
Ending in XXXX I have my FTC report as well
Consumer complaint received 2023-06-22
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. (FL)

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 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 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 2018-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (TX)

I am not currently even 30 days past on my account with XXXX XXXX in XXXX Texas, they call my phone while I am at work am I am unable to take the calls when I am work. When they do not get me on my cell phone they turn around and call my job at the general number seconds after they try to contact me on my cell phone. This is a daily thing. I pay my bill on line I will be paying it on XX/XX/XXXX I do not need to be called daily.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I am a victim of XXXX XXXX. My Bank Institution, XXXX, was not able to be contacted because they also suffered from the hurricane as well. During the hurricane I was not able to reach my account online or call them to be able to manage my account well. I have tried since they opened back up to fix the problems. I contacted the corporate XXXX number, my local bank office and written an email to my personal banker. They have not reached back out to me to help me with my overdraft fees that accumulated due to the lack of service during the hurricane. I have attached the email I sent to my personal banker as a last attempt to plea for assistance. Please read the email as it explains my situation in further depth.
Consumer complaint received 2023-06-22
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

Hi, I noticed today XX/XX/2023 that I received a credit card from XXXX XXXX on the mail but I did not apply for the credit card. I called the credit company and the card was applied for in Georgia, I live in Florida, and the card was applied for at a XXXX ' store and used for a purchase of {$290.00}. I was advised to freeze my credit on XXXX and while doing that I saw on my credit report that another credit card was open with XXXX XXXX XXXX  and a purchase of {$5900.00} was made on XX/XX/XXXX. I filled a police report but I am worried that other accounts will be open under my name because whoever applied for the first 2 credit cards have all my information, including social security number.
Consumer complaint received 2016-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I have disputed the Midland Funding Account with XXXX and with Midland Funding. XXXX stated that Midland Funding verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.
Consumer complaint received 2023-06-22
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. (LA)

I sent the attached document to Equifax, XXXX and XXXX on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear Credit Reporting Agency, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
XXXXNQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report.
Consumer complaint received 2023-01-25
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. (CA)

I am a victim of identity theft and am in the process of discharging accounts off of my report. It is the duty of the CRA 's to be reporting accurate information on my report. My credit reputation is damaged due to a supposed late payment reported on my account. I have always paid things on time and have never had an experience with late payments. As a result of this alleged debt being reported on my account, it has tanked my score and made it extremely difficult to act in commerce publicly. I am attempting to apply for apartments and with a score as low as this it is impossible, especially in California. I am working on getting the entire account removed from my report but in the meantime I need this late payment mark removed as soon as possible so that my credit reputation can return to its normal range.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On yesterday I spoke with Experian employee over the phone over an open dispute as well as disputes I have filed in the past about an account Im asking to be removed from my report. I have continued to demand the account from Attorney General Child Support be removed on MANY violations Experian has violated with the FCRA. The representative told me he saw the disputes, but they will continue to stay on there and not to worry about it because I dont have a past due balance at the time. THEY ARE KNOWINGLY AND WILLINGLY keeping this on my credit report. However, the account is hindering me from buying a home. I am now asking that Experian be notified they are in violation of the FCRA violation privacy right 15 US Code Q1681 ( a ) ( 4 ) and remove this from my account immediately.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-02-25
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/20, I was informed by my credit monitoring company that my credit score decreased because of a new credit inquiry. I had not requested a credit check for any financial products or services. I checked my credit report and found a new credit inquiry from the following : PAYPAL via SYNCBPAYPAL XXXX XXXX  XXXX XXXX, MD XXXX ( XXXX ) XXXX I have never requested credit from paypal and definitely I did not authorize this credit check. 

On XX/XX/2020 I mailed a letter to XXXX ( who reported the credit inquiry ) and included a copy of my credit report with the transaction highlighted. 

On XX/XX/20 I received a letter back from XXXX saying " After reviewing your dispute request, we found the information you disputed does not currently appear on your XXXX credit report ''. 

I checked my credit report again today XX/XX/20 and saw that the credit inquiry is still on my report. Please help!
Consumer complaint received 2018-10-06
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. (NY)

Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.
Consumer complaint received 2023-06-01
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. (LA)

See attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2023-06-21
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. (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. 
XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax 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.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

I hope this message finds you well. I am writing to express my concern over a recent encounter I experienced with your bank. 

Recently, I attempted to open a new account with Truist, but unfortunately, my application was declined. The reason provided for this decision was not clearly communicated to me, leaving me somewhat puzzled and disappointed. 

As a prospective customer, I am eager to understand the rationale behind this decision, as it is critical for me to gain a clearer understanding of any issues that may have influenced the rejection. My intention is to rectify any potential concerns and hopefully reapply in the future, if appropriate. 

Could you please provide me with some insight into the reasons for this denial? If there are any outstanding issues, specific criteria that I failed to meet, or documentation required, I would appreciate being informed so that I can address these matters promptly. 

Please understand, this query is not a complaint, but rather a request for better clarity and transparency, which I believe will serve both our interests going forward. I have high regard for Truist and would very much like to become a customer of your esteemed institution. 

Thank you very much for your time and attention. I am hoping for your prompt response to this matter and look forward to your explanation.
Consumer complaint received 2023-03-17
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. (MD)

I am writing to express my dissatisfaction with the inaccurate credit reporting made by Equifax. On XX/XX/2023, my XXXX XXXX XXXX XXXX account, which had been paid off and closed, was reported to have a balance of {$630.00} by Equifax. 

I would like to bring to your attention that this is a completely inaccurate report, and it has significantly affected my credit score. I do not owe any amount on this account, and it has been paid off and closed in full. This false report by Equifax has damaged my credit score, which has impacted my ability to access credit when I need it. 

This is not the first time that Equifax has reported inaccurately on my credit report. This incident has further raised concerns regarding the reliability and credibility of Equifax 's credit reporting process. It is disappointing to see such errors that affect the credit score and financial standing of individuals. 

I urge you to investigate this matter and take prompt action to remove this incorrect information from my credit report. I am hoping for a swift resolution to this matter and would appreciate a response from you as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

Previously disputed account asking to verify or delete as I do not recall having this debt with this creditor. Over XXXX  days has passed and I have not heard back in regards this dispute. Credit report is reporting inaccurate information stating incorrect dat last active, date last payment and missing data on closed date and date last verified. Account is reporting " account not disputed '' this is false because I have disputed and I have been ghosted. There is no way that account can state as collection but derogatory at the same time. Account is dead and there should be no late payments reported. Account is a mistake itself.
Consumer complaint received 2022-02-23
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: CrossCountry Mortgage LLC (GA)

Upon checking credit I discovered that there are inquiries on my report that i did not authorize nor do I have any business with these compaines. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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)

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LOBEL FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The credit bureau stated that my account was properly investigated but how if The date open is not accurate. The date last report it is not accurate. This ground for removal. They also violating my rights under. 

15 US C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1641 Section 608 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2020-02-25
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.