davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (FL)

I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 2022
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Credit Card Charges and Incorrect Billing by Home Depot and Citibank Dear Sir/Madam, I am writing to formally lodge a complaint against Home Depot and Citibank concerning the unauthorized use of my credit card and the subsequent mishandling of the issue, which has adversely affected my XXXX score. 

I discovered unauthorized charges on my Home Depot credit card. I promptly contacted Home Depot to report the fraudulent activity. After conducting an investigation, Home Depot sent me a letter stating that I was not responsible for the charges. Despite this, I have continued to receive billing statements and collection letters from both Home Depot and Citibank demanding payment for the disputed amount. 

I have contacted both Home Depot and Citibank multiple times to resolve this matter, providing them with a copy of the letter that absolves me of responsibility for the unauthorized charges. Unfortunately, they have not corrected the error, and the outstanding balance remains on my account, which is now negatively impacting my credit score. 

Enclosed with this letter, please find copies of the following documents for your reference : The letter from Home Depot confirms that I am not responsible for the unauthorized charges.

Recent billing statements and collection letters from Home Depot and Citibank demanding payment.

Any additional correspondence I have had with Home Depot and Citibank regarding this issue.

This situation has caused significant stress and inconvenience, and I am seeking the Consumer Financial Protection Bureau 's assistance to ensure that Home Depot and Citibank : Remove the unauthorized charges from my account. 
Cease any further collection attempts related to these charges. 
Correct any negative information reported to the credit bureaus due to this error. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX Letter from Home Depot Recent billing statements and collection letters Additional correspondence with Home Depot and Citibank
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a duplication of information on my credit report. XXXX XXXX XXXX  is reporting two accounts : XXXX and XXXX. I have only had 1 account with XXXX XXXX XXXX  that was paid timely, paid off, and then closed. The first account number appears in the 'adverse ' portion of my TransUnion credit file while the second account shows in the 'satisfactory " portion of my TransUnion credit file. They are both the same account, with different account numbers, as my credit card was lost and generated a new card number with the replacement card. I have reached out to both TransUnion and XXXX XXXX XXXX  and neither entity has solved the issue.
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: Alorica Inc. (PA)

When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of XXXXXXXX SST or XXXX XXXXXXXX XXXX  until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (SC)

The company XXXX XXXX XXXX failed to provide the documents I requested. 

Ive pulled my credit report and notice inaccurate account reporting. 

XXXX has removed this off my credit report but not the other credit bureaus.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

Rent Recovery Solutions has defamed my character, and creditworthiness and continues to commit periodic invasions of my right to privacy. They have furnished an unverified alleged debt to multiple third parties, including but not limited to XXXX, XXXX, and XXXX. This has caused me financial harm, emotional distress, and embarrassment. Due to their unfair furnishing of this unverified information, I've been denied credit on multiple occasions.
Consumer complaint received 2023-03-12
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. (TX)

I was currently looking into becoming a first time homebuyer and I notice some companies pulled my credit report unknowingly : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

I opened an account with robinhood XXXX account back in XXXX XXXX XXXX of XXXX I flew to XXXX XXXX XXXX while abroad I lost my XXXX XXXX XXXX XXXX and during that time a recurring transactions from other account were established and sending a total of {$2300.00} to my robinhood account.I Tried unsuccessfully to contact XXXX.I had no other choice just to file a dispute.after approximately 5 days the transactions were reversed and I received my money bac.I returned to the United States in XX/XX/XXXX and I'am still locked out of my robinhood account.I emailed the help desk and they requested a picture of my self holding my identification.they are not following the disclosure and guidance of how to log back ounce you forget your password.they have my social security number my passport card informations my driver license my physical address, that should be enough to let them give me access to the account.for all the reasons listed above, I do not want to bank with robinhood anymore. 
I currently have {$410.00} in my investment account at robinhood. 
how can solve this issue.
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 is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax refuses to report my XXXX XXXX  credit card to my consumer report which will give me a POSITIVE history. XXXX XXXX XXXX reports it but Equifax will not report this positive history. XXXX has sent Equifax an off cycle report on numerous occasions and they still refuse to update my positive information.
Consumer complaint received 2022-12-09
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: BARCLAYS BANK DELAWARE (GA)

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 an 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
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2023-11-09
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. (MD)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost XXXX  days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting some personal information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
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. (GA)

XXXX, XXXX and Transunion allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per XXXX XXXX  this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. XXXX XXXX replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX credit file and it will not report until they furnish me with all the info I requested l. I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX funding is reporting to the credit bureaus. Something is fishy and stinks in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, stress and anxiety. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.
Consumer complaint received 2023-11-09
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5200.00} XX/XX/XXXX
Consumer complaint received 2022-12-10
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$70.00} TELECOM SELF-REPORTED XXXX Balance : {$190.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-09
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. (GA)

On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Consumer complaint received 2022-12-09
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. (GA)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-09
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. (GA)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had went to my bank XXXX to apply for a loan and there was a capital one credit card with a balance of {$10000.00} on my report which is not mine. I attempted to contact capital one and they claimed that there was no account like that in my name and they would look into it I also filed a report with XXXX as well and both claimed that there was no account that they could see. But it is still showing up in my credit report. I am wanting this removed and I dont know how and I have been working on ways to get it figured out but not sure what else I can do so I thought I would try with you guys. I also received a letter from a bank XX/XX/ stating that there was a savings account opened in my name, which once again I never opened. I called bank and requested to open a fraud alert on it and it was closed. And they told me to contact the FTC which I am doing now and also call XXXX and XXXX XXXX which I am also going to do today XXXX would like to put an alert on my social security and my credit so this does not happen again.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Yamaha Motor Finance Corporation USA (FL)

XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) of XXXX XXXX has directly and indirectly engaged in racketeering activity. See attachments.