davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/2023 XXXX || DATE OF INQUIRY : XX/XX/2023 XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/202XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/2023
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Subject : Dispute and Request for Correction of Credit Report Dear XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have identified several instances where the creditor [ Creditor Name ] has failed to comply with specific sections of the FCRA, namely 15 USC-1681 section 602, 15 USC-1681 section 604-A section 2, and 15 USC-1666-B.

As per 15 USC-1681 section 602, I believe [ Creditor Name ] has inaccurately reported information about my credit history to your agency. The information they provided is misleading and has negatively impacted my creditworthiness. I request that you investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies in my credit report.

Moreover, 15 USC-1681 section 604-A section 2 requires creditors to provide accurate and complete information to credit reporting agencies. I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to fulfill this obligation, thereby violating my rights as a consumer. I request that you review the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ensure that it meets the necessary standards of accuracy and completeness. 

Additionally, 15 USC-1666-B grants me the right to dispute any inaccurate or incomplete information in my credit report. I hereby exercise this right and request that you initiate an investigation into the disputed items associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly ask that you provide me with a written response regarding the results of the investigation within the legally mandated timeframe. 

I have enclosed copies of relevant documentation, including proof of my attempts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I trust that you will handle this dispute promptly and diligently, as required by the FCRA. 

Please note that, in accordance with the FCRA, I also request that you place a temporary freeze on the disputed information during the investigation process. This will help ensure that my credit report is not further impacted by inaccurate or incomplete data. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX Sincerely, XXXX ; XXXX ( Truster )
Consumer complaint received 2022-12-07
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accountswhich is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-12-07
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. (AZ)

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 the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-07
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)

Im resubmitting 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-22
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. (TX)

I am writing to dispute the inaccurate late payment reporting on my credit reports associated with XXXX Account [ Account XXXX : XXXX ]. This account is listed on my credit report twice, showing XXXX different amounts for the same account, and it also inaccurately reflects late payments. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request immediate corrective action. 

The FCRA, a federal statute governing the accuracy and XXXX XXXX XXXX XXXX, provides specific guidelines that must be followed by furnishers of information like XXXX XXXX : XXXX. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers provide accurate and complete information to credit reporting agencies. I assert that the late payment reporting on my credit reports is inaccurate and does not reflect my payment history accurately. 

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA places an obligation on furnishers to promptly correct and update any information found to be inaccurate. As the late payment reporting is erroneous, I demand that you correct this information immediately with all credit reporting agencies that have received it. 

XXXX. **Investigation of Disputes ( Section XXXX11 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I hereby formally dispute the late payment reporting on my XXXX account, and I expect you to initiate a thorough investigation into the accuracy of these entries. 

XXXX. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I insist that you adhere to this time frame when conducting your investigation. 

Failure to comply with the FCRA could result in legal action against XXXX XXXX. If these inaccuracies are not promptly resolved and corrected, I am prepared to take legal action to protect my rights under the FCRA. 

I request that you promptly investigate and correct the inaccuracies in the late payment reporting on my XXXX Account [ Account XXXX : XXXX ], addressing both the duplication issue with XXXX different amounts and the inaccuracies in the late payments reporting. Please provide a detailed written response to me within the time frame stipulated by the FCRA, outlining the results of your investigation and any actions taken to rectify the inaccurate reporting. 

I am committed to ensuring the accuracy of my credit reports, and I anticipate your full cooperation in this matter. Please be advised that legal action will be pursued if XXXX XXXX fails to rectify these inaccuracies promptly and in accordance with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am on a fixed social security income and I had all five of my credit cards being automatically paid for by check through my primary account ending in XXXX. Due to fraudulent activity on that account over the course of a year there were many times that the bank would issue nsf fees and on my credit card payments, and not pay the credit card. But they would charge overdraft fees on unrelated to credit product payments. Its like they picked and choosed what to pay intentionally causing my credit cards to be not paid. The account was being bombarded with withdraws from unknow sources that caused me to close the account all together due to fraud. My point is that during the year of 2020 i was charged over XXXX in NSF fees and I only make XXXX. The fact that the bank would allow some transactions to go through and others not to seems odd. The bank stated that the fees were valid according to their account opening statement which I was unable to read because of the small print.
Consumer complaint received 2023-08-22
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. (CA)

Some of my personal information has been compromised and O believe that I am a victim of Identity Theft. I will be submitting my supporting documents. 

There are debt collection companies that are reporting on my credit with no validation that the debt they claim is mine is really mine. They can not provide me with proof with the original document with my wet signature. The FCRA states that I am only obliged to pay the original creditor and no one else. 

The following collection MUST be removed from my credit report : XXXX XXXX XXXX {$470.00} XX/XX/2021 The following inquiries were not made by me and Must be removed from my credit report : XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (DE)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA 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 XXXX
Consumer complaint received 2021-04-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In 2012 Bank of America was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. Bank of America has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. Bank of America, XXXX, XXXX, and XXXX are ALL in violation of the FCRA.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EQUIFAX, XXXX, AND XXXX. I HAVE DISPUTED THIS ON THIS XX/XX/XXXX, AND SENT THEM THIS LETTER ON XX/XX/XXXX. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

INACCURATE INFORMATION REPORTING IN EQUIFAX : These information is inaccurate : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX, These inquiries were not authorized : XXXX  - XX/XX/XXXX XXXX This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

INACCURATE INFORMATION REPORTING IN XXXX : These information is inaccurate : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX - XXXX, XXXX XXXX  XXXX - XXXX, These information is inaccurate : These inquiries were not authorized : XXXX XXXX  - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

INACCURATE INFORMATION REPORTING IN XXXX : This information is inaccurate : Incorrect Address - XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Some of my personal information has been compromised and O believe that I am a victim of Identity Theft. I will be submitting my supporting documents. 

There are debt collection companies that are reporting on my credit with no validation that the debt they claim is mine is really mine. They can not provide me with proof with the original document with my wet signature. The FCRA states that I am only obliged to pay the original creditor and no one else. 

The following collection MUST be removed from my credit report : XXXX XXXX XXXX {$470.00} XX/XX/2021 The following inquiries were not made by me and Must be removed from my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hello so XXXX complaint was back in XXXX my card was frozen might have been XXXX to from Bank of America due to fraudulent charges so they froze my account for like two three months was put me in stress couldn't pay my bills almost got a victory out of my home almost lost my car cuz I had no access to my money waited for hours and hours on hold with unemployment because the bank stated it was their problem I heard there's a law too on Bank of America for what happened am I going to be part of that lawsuit if you could please get back to me
Consumer complaint received 2023-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

After reviewing my credit report, I noticed an unauthorized inquiry from Capital One. I have attempted to correct this to no avail. I have 3 accounts with Capital One and have not applied for additional accounts.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (IL)

Back in XXXX or XXXX I was approved for an extension on my loan to bring my loan current. However, as of today the loan has still went through system updates. I have called several times over the last few weeks very XXXX and everyone says they see the extension and that they will escalate. However nothing has been completed. This has made my health go backwards. I deal with XXXX and XXXX. And I have been sick for the last weeks trying to deal with this stress.