davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/2023 Dear Transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$160.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING IT BE REMOVED IMMEDIATLEY
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

An account fraudulently opened on my name by XXXX XXXX XXXX with account number XXXX. It is same amount and account that was removed previously and this company fraudulently misusing my info and trying to collect money fraudulently. Please remove this item from my credit report.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MI)

I have an Apple Card through Goldman Sachs. I have only had this card for a few months. Last week I started getting text notifications about fraudulent activity on my card. There were a total of 10 charges to various companies on Saturday, so when I called, I explained I did not make any of these charges ( many looked to be overseas ), and they had not allowed them. 

What has me gravely concerned is that once they changed my card number, 14 more charges came in on the new card number and I had not even so much as recorded the new card number. Fortunately, I had locked the new card number on my " physical '' card, however, I did not know how to lock it on my digital card number. I have also checked the box for " additional fraud protection '' which means I have a rolling security code. Still, there are criminals charging to the card. 

I believe there is a major security breech, and that this needs to be investigated. At this time, I have locked my card and explained to them that I will not be using it for anything. However, a security breech could affect all my personal information so I believe I'm at risk of other fraud attempts.
Consumer complaint received 2022-11-14
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. (OH)

On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am writing to express my frustration as you failed to remove the remaining fraud account from my credit report, despite confirmation from the bank and assurances over the phone. Other bureaus have already complied. Please remove the account immediately as agreed with the bank and in compliance with the law. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions. 

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is in response to BOFAs response to my complaint regarding their refusal to grant me provisional credit as required by law and their refusal to provide a written account of their investigation within ten days as I requested.

BOFA, you state you need 60 more days for a resolution. THAT IS UNACCEPTABLE. This has been an " investigation '' for over a YEAR. You have failed me as a consumer, you have lied, you have withheld information and you have done everything in your power to refuse me my right to provisional credit. What you are doing is ILLEGAL. How dare you not provide me a written account of this investigation, which I have requested and you continue to stall, saying you need 60 more days? No. You. Do. Not. I'm retaining an attorney today. This is a vulgar display of power and I will no longer put up with your excuses and your lies. I'm not afraid to take you on. The XXXX is on my side. You violate every regulation in this industry there is. You wanted to play with XXXX recipients. I'm not playing anymore. Provide me a written account, grant my provisional credit, and do it within 72 hours. If you refuse, I'll see you in a court of law.
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

All of a sudden i receive a bill from this collector, I then see that this fraudulent collection is on my credit report. It makes me ill that these predatory collectors are attempting to scam people especially during these trying times. I demand that they immediately erase this false debt and remove it from my credit! They should be ashamed! 
I tried to contact them with no answer.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

in XX/XX/2018 i bought a XXXX XXXX  month ago started gave me problems i went a mechanic shop with the warranty and the dealer and bank no give me answer with the warranty the people of the shop where i left the car chargere me {$410.00} what i paid with my pocket some months ago starter again give me electrical problem i called a lot time the bank and dealer and no body help me to change to another car or fix the car im tire with the situation decided release the car bcs the car not working good the bank said the status is reposition but is wrong status bcs i called significant time and no recive answerd right now this affecting my credit XXXX  XXXX and XXXX  bcs i disputed in XXXX  and they accepted and deleted itry to get help for this situation with your
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (NY)

Today I received a phone call from DCM debt collection services on behalf of XXXX concerning my brother who passed away last month. 
Allegedly, my brother opened up a XXXX XXXX XXXX XXXX over four years ago. There is an outstanding balance of nearly {$2000.00}. They even provided the last four of a XXXX credit card account number. 
I asked that official documentation be mailed to my home address. Which they will do. This is the agent I spoke to ( please publish ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX who cant confirm if my XXXX  even opened up a credit card account. I didnt co-sign on his account nor is he associated with my own account in any way. I only have debit cards.
Consumer complaint received 2023-07-04
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IA)

I noticed multiple transactions made between XXXX on my chime account for XXXX XXXX XXXX that amounted to $ XXXX. I disputed them via phone a process that started at XXXX and lasted at least until XXXX if not later. I received an email at XXXX saying that the investigation was concluded and I wasn't receiving any funds back etc. I specifically sent pointed out to them a minor child made the charges and beyond that the merchant happens to be a online casino of all things operated illegally by foreign company based in XXXX known as virtual gaming worlds. I believe I should be refunded for either of the two issues I raised let alone both of them. I also believe it takes more than 30min in the XXXX  to conduct an actual investigation, the quickness and ease with which they dismissed me is deplorable and outright negligent of their duty as a financial institution in this country.
Consumer complaint received 2022-09-08
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. (NY)

This is my various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance XXXX XXXX XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Consumer complaint received 2023-05-23
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. (PA)

The Credit bureaus have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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.

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX  : {$0.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ). Its been over XXXX days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-15
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)

THIS COMPLAINT IS AGAINST EXPERIAN CREDIT BUREAU. EXPERIAN TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. 

WELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! 

EXPERIAN IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS STRAWBUYER BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. 

EXPERIAN NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. 

EXPERIAN BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. EXPERIAN HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY REPORT!
Consumer complaint received 2023-03-05
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. (GA)

U.S. Small Business Administration ( SBA ) dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 I am concerned about the impact of these hard inquiries on my credit score and would appreciate any advice or guidance you may have on how to minimize their impact. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-08
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 received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX, XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA and Account : BANK XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$25000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Attached a copy of my Drivers license, Tax Return Number, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2024-03-05
Product: Credit reporting 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)

XXXX. XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE EXPERIAN CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE EXPERIAN CREDIT AGENCY. 



15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.