davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (TN)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2023-08-11
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. (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 XXXXXXXX XXXX XXXXXXXX 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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. (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. Experian, XXXX, and XXXX is reporting inaccurate info. My Name is XXXX XXXX. XXXX : XX/XX/1993 My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My employer is XXXXXXXX XXXX
Consumer complaint received 2023-06-29
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. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXXXXXX XXXX XXXX  Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX, XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX Account Number : XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX  Account Number : XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-25
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. (LA)

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate deletion and removal to rectify this violation of multiple laws. I urge you to take prompt action in removing these accounts and information from my consumer report.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2018, my XXXX  XXXX XXXX cashed 3 checks forging my signature with the total amount of {$2400.00}. Bank of America informed me that for me to get my money back I needed to make a police report since the person that stole the money was related to me. I made the police report and submitted the police report to Bank of America. Bank of America sent me a letter denying to reimburse the money stating that it was my responsibility to have my check book secured but the letter stated that I could appeal it. I did appealed but the answered was the same. The bank denied reimbursing the money once again. 

As a result of this incident, I opened a new account with Bank of America which is my current account : XXXX. The prior account number were the money was taken was : XXXX.
Consumer complaint received 2023-06-29
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 for but they're reporting me as late.
Consumer complaint received 2023-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today [ XX/XX/XXXX ] I ran XXXX report for all 3 credit bureaus. XXXX stated Excellent credit. XXXX Good, Kohls/CAPONE has put negative credit on my report as of XX/XX/XXXX. On XX/XX/XXXX I ran XXXX report with XXXX with score above XXXX, today score is down XXXX points to mid XXXX 's. Big red Flag!! I reached out to XXXX IdentityWorks - credit monitoring which was given for settlement with a data breach with XXXX. No red flag showing up on XXXX Identity Works but it did on my XXXX credit report. I spoke with XXXX at XXXX. While looking at the report there where two reports for the same card. One positive and one negative. The negative report appeared on my report after XX/XX/XXXX. The credit report show the previous opportunity was paid in full in XXXX XXXX. There has been no activity on my card, nor have I canceled the card. Kohls/CAPONE has listed up and till XX/XX/XXXX " OK ''. Now for XX/XX/XXXX on one report showing " CO '' and account closed with one month pasted due. I have not used the card since XXXX XXXX. How can it be past due, when it was paid in full in XXXX XXXX, and listed on all 3 credit bureas as " OK '' since that time? XXXX and his supervisors that he spoke to several times over the 1 hour 15 minute phone call could not explain the two reports on their file. I then contact Kohls and they didn't provide any asisstance. I asked to speak to supervisor and was told know. I then called Capital One Credit card and told to call Kohls again, then asked for a Supervisor and got the run around, so I hung up. I have records showing the card was paid off in full and okay since that time. This negative report just appeared on my XXXX line of credit. This not acceptable. Per the rules : '' If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages ''. I learned this today ; " An individual has several options available to fight the reinsertion of a negative trade line such as : Request a new investigation with the credit reporting agencies. 
Add a consumer statement to his or her credit report. 
File a lawsuit against the creditor committing the reinsertion ''. 

I want to know why Kohls/CAPONE, claims I am one month past due, when this was settled by the records I have in XXXX XXXX and reported to all XXXX credit bureaus? I have the records from the XXXX credit bureaus showing this account has been okay up to and through XX/XX/XXXX. I haven't used the card since XXXX or canceled the card. The company once again has not mailed me or emailed anything, except flyers to purchase items from their store. Kohls/CAPONE have violated the FRCA ruling and are commiting Fraud!!
Consumer complaint received 2023-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I received a bill from XXXX XXXX XXXX XXXX XXXX collections. On this bill 2 separate amounts owed were listed. Date of bill was from XX/XX/XXXX statement date was XX/XX/XXXX. The 1st amount was {$79.00} on page 1 of bill. On page 2 the amount due was {$100.00}. I contacted XXXX to clarify amounts along with obtaining further information regarding the interest fees on XXXX at XXXX. I was then given another amount due, I inquired why a 3rd change in the amount owed. And if they were able to clarify their interest charges. I was not given much information by the representative and transferred to their Supervisor XXXX. I left a voicemail and have not received a call back. This information has me uneasy as I believe they are being deceptive in the collecting the incorrect amounts owed and can fraudulently keep an individual owing them money.
Consumer complaint received 2023-05-17
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)

I received a notification by Equifax that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from Equifax. I was advised that the accounts was open in XXXX with a company called XXXX. I never open this account in XXXX and why it reporting that this account was open in XX/XX/XXXX. This account is a FRAUDULENT ACCOUNT. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report. 

1 ) XXXX {$340.00}
Consumer complaint received 2023-08-12
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. (AR)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These are the accouts that I want to be corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$270.00}.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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. (OR)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
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. (MN)

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

I did not give permission to use my consumer credit. I never had any contract with XXXX XXXX XXXX, Nor do I recognize this account. 
My rights are being violated.
Consumer complaint received 2022-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (WA)

I was a victim of identity theft which I reported XX/XX/2019 ( case # XXXX XXXX Police Dept ). I became aware of the fraudulent auto loan when I tried to purchase a vehicle and the sales person questioned me about the other auto loan on my credit report. Since then I have worked diligently with the with the dealership to understand and resolve this false account in my name and to clear my credit. I worked directly with XXXX XXXX at XXXX XXXX XXXX ( acct. # XXXX ) which resulted in release of any financial responsibility to the auto loan and the loan was also removed from all three credit bureaus on XX/XX/2019. Several months later I began receiving harassing calls and letters from Radius Global Solutions LLC ( # XXXX & # XXXX ) in reference to the fraudulent auto loan which they incorrectly list as account # XXXX with the same information I have provided you and I continue to receive calls and letters in the attempt to collect on debt that has been a result of identity theft.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I went to a concert event in XXXX on XX/XX/XXXX. When I paid for parking, the following Tuesday I noticed 2 payments posted to my account for the same amount. I called to dispute one transaction. 2 weeks later, I received a call saying that they need a receipt. The original parking place never gave me a receipt. I called my bank to advise them and they told me that they will not move forward without a receipt. After asking for a manager, the bank representative hung the phone up in my face. I called back and after a 30 mins hold I finally got a manager. The manager was not helpful at all. He basically wanted me to call the company again, even though I had no success the first time, and try to obtain a receipt. He refused to stay on the line, or even 3-way the merchant. Also, I don't understand if I was charged twice why a receipt would change anything. They advised me that they will not review my case until a receipt is provided. Even the manager at this point was trying to get me off the phone as he pushed me back to the merchant. Finally I opened a 2nd case as one transaction was done in XXXX florida and the other transaction was done in XXXX Florida. I have no idea what the XXXX transaction is as I was in XXXX during the timeframe and live in XXXX florida. Fifth Third needs to do a better job with assisting consumers with fraudulent transactions and not rush them off the phone.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the fraud that you are not hindering records when I sent a copy of the FTC report. 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX