davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (FL)

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that Experian, XXXX, and XXXX present varying payment histories for the periods. By virtue of rule XXXX, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent Experian from disclosing personal information to third parties. Remove these accounts. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00},
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC. (CA)

Card use suspended by bank, User called to inquire- Ally bank requesting copies of ID and statement of ownership. 

Requested Ally to send letter of explanation to why hold was placed.

Ally representative stated no letter available.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (NJ)

I am in very upset as to find out that my information is being shared, transferred and Traffic without my consent for profit. I am now aware that this is illegal practice mainly to certain groups of customers in the US,. First my information was stolen and then used due to a breach from this organization and now I find out my information is still being mishandled and discriminated against. 
This Acct from XXXX XXXX XXXX  XXXX XXXX balance also reflect a late payment due on XX/XX/XXXX paid on XX/XX/XXXX is stating 30 days late. I did nt give permission for my information to be shared transferred or reported nor do either Party has permission from me to share this information.

These are incorrect employment information being reported. 

Employment XXXX XXXX XXXX Self Employed These are all reporting the Wrong Balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX Account XXXX # XXXX XXXX User and shows late payment. This is not my account. nor am I a user on this account Inquiries being reported and should have been removed over 9 months ago some over a year ago. 
Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX After months of fighting with Equifax about a fraudulent account fromXXXX XXXX XXXX my credit and employment was effected due to the fact of this inaccurate information being reported I had accounts close my accounts and lower my credit limits. I need this to be corrected as of last month they removed the fraudulent account due to the fact I sent a request directly to the firm and was in the process of suing them.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In the end of XXXX I received an email informing me that a new capital one credit card is on its way. I have never had any accounts with capital one. I reached out to the company on two different occasions ( day after the email and a week later ) to close the account and yet I still got an email a week ago with a monthly account report.
Consumer complaint received 2022-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I am trying to refinance my home at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. There is a lien regarding a home equity line for {$100000.00} showing on title for BB & T. BB & T is now owned by Truist Bank. The loan originated over 20 years ago. I have been in contact with Truist bank @ XXXX XXXX and have been told on multiple occasions by a representative at Truist that they were faxing over documents to satisfy the mortgage. This has been ongoing for more than a month now. I am in need of an immediate remedy. The remedy is to email the documents to clear this lien to my closing attorney at XXXX. XXXX XXXX can be reached at XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NE)

An online order was placed at XXXX XXXX  on XX/XX/23 at XXXX XXXX for a tool kit to be picked up by XXXX XXXX in XXXX, Alabama, using my debit card number. It was picked up at XXXX XXXX. Please note that I do not know a XXXX XXXX nor have I ever been to Alabama. I currently reside in Nebraska. 

This was a Saturday and I slept in as I didn't have to work and by the time I checked my emails it was too late. I contacted XXXX XXXX right away and they just told me sorry that my card was stolen and to contact my bank. My card was not physically stolen as I still had the card in my possession. I tried to explain to XXXX XXXX that someone had hacked into my account with them and used the card I had on file for a monthly dog food subscription. 

I then contacted Chime aka XXXX XXXX  and cancelled my debit card and ordered a new debit card. I have filed three disputes with Chime and they have denied every claim. I shop at XXXX XXXX freqeuently for animal and yard supplies. I even sent them all of my online and in-store activity to show that I have never purchased anything outside of the Nebraska location . 

Timeline of events : XX/XX/23 claim filed for unauthorized transaction and provisional credit applied XX/XX/23 claim denied XX/XX/23 I requested documents used for investigation XX/XX/23 provisional credit reversed XX/XX/23 I requested documents used for investigation, for the second time XX/XX/23 I requested documents used for investigation, for the third time XX/XX/23 claim denied XX/XX/23 I submitted any information I had for the claim. 
XX/XX/23 I submitted a rebuttal of my claim. 
XX/XX/23 claim denied
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (VA)

I sent XXXX letters to Experian, XXXX and Experian on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these XXXX i received a XXXX from Experian and XXXX that they didn't think the information was from myself even when i sent XXXX forms of XXXX and still my XXXX don't seem to be getting attention.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (CA)

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-11-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

The staff at ace cash express intentionally lies about withdrawal fees. This isn't the first time they have done this. I went in to pay my my rent, I already know that my XXXX XXXX charges me to withdrawal cash however she stated XXXX XXXX was charging me {$5.00} dollars flat and ace cash express fee was {$3.00}. At the end of the transaction {$10.00} is unaccounted for and when I asked for the receipt she said there wasn't one. After arguing with her I finally received receipt, which is beyond misleading, and I also get a text message from my card. XXXX XXXX only charged me {$2.00} for withdrawal, which by the way of my card was swiped as paying a bill it would not have charged me st all, so she purposely put withdrawal instead of transaction, and she clearly lied about her fee being as how XXXX XXXX gave me a breakdown and it said {$2.00} was charged by XXXX XXXX and {$7.00} was charged by her.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (SC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC report which I have filed, but nothing has changed. Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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: Spring Oaks Capital, LLC (GA)

XXXX XXXX XXXX XXXX XXXX is stating that I owe XXXX this information is false XXXX XXXX XXXX XXXX XXXX XXXX  is staying that I owe XXXX this information is false XXXX XXXX XXXX  is stating that I owed XXXX this information is false
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MD)

This is my first 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 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 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 2022-11-09
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: Experian Information Solutions Inc. (CA)

As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC report which I have filed, but nothing has changed. Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-08-01
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. (ID)

XX/XX/XXXX I noticed several inquiries on my credit report which I did not authorized. On XX/XX/XXXX I contacted all the creditors and Equifax filed complaints and file FTC report # XXXX, however the following inquiries have not been removed/deleted. These inquiries are holding me back from gaining financial confidence to purchase a home. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX