davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1300.00}.
Consumer complaint received 2022-12-03
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. (GA)

The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc. 

15 U.S.C. 1681 Section 602 A - says I have the right to privacy.

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information without my written instructions.
Consumer complaint received 2023-09-28
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-19
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. (VA)

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.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, Transunion, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX transunion & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Let me be really clear at this point, I will not tolerate being discriminated against by you for being from the XXXX XXXX, you provided false information to a complaint raised to the CPFB a federal agency. 

Your last response to the CFPB, stated very clearly in writing, a lie. You wrote in your response that I was told if I had not completed a tax return, I should call you. This is blatantly untrue. 

The email is attached, the email says that if for any reason I am unable to complete the form, I should contact you, to be clear, there is no reason I could not complete the form, so I signed it and sent it back to you, I did then contact discover, who explained to me how to fill out the form. 

The Equal Credit Opportunity act requires you to not discriminate based on national origin, I did not know what this form is, nor what information the IRS holds about me, since I'm not from the XXXX XXXX. Failing to provide information on this, or an alternative means that you violated this law. 

To be clear, this is a blatent violation of Federal Law. You will not be allowed to get away with this, DO THE RIGHT THING AND RESOLVE IT. This isnt about some corporate power struggle, you have ruined my credit score, on purpose, because of my national origin. Thanks a lot.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized inquiries on my credit report. I have previously sent a letter to Equifax requesting the removal of these unauthorized inquiries, citing violations of the Fair Credit Reporting Act ( FCRA ). I have enclosed a copy of the letter and my FTC report as evidence. Despite my efforts to rectify this issue directly with Equifax, I have not received a satisfactory resolution. I am seeking the CFPB 's assistance in ensuring that my consumer rights under the FCRA are upheld and that these unauthorized inquiries are promptly removed from my credit report.

This paragraph succinctly outlines the issue and your previous efforts to resolve it with the credit reporting agency before seeking the CFPB 's assistance.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX XXXXXXXX Date of inquiry : Please remove XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
XXXX. The inquiry was XXXX XXXX not authorized Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement. 
( 5 ) A computation error or other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

I have tried on multiple occasions to contact XXXXXXXX XXXX XXXX  due to an amount reporting on my credit report. The property was sold to another owner and I have not been able to get in contact with anyone to discuss this matter. I have contacted the collection agency PRO COLLECT, and the representatives are very rude, and are telling me I am responsible for the debt. I sent a debt validation on XXXX and have not recieved a response yet. Made numerous phone calls explaining to them this is effecting me tremendously, and the amount showing is not accurate.
Consumer complaint received 2022-10-19
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. (VA)

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.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

On all three credit bureaus there are multiple hard inquiries with the same companys multiple requests within the same Month. These companies have been Ordering additional credit reports when the information was still valid in the prospective time frame for them not to order an additional report. This has caused a tremendous issue in my lowering my credit score. All my account are in good standing. However, due to these hard inquiries it has caused a negative impact on XXXX XXXX XXXX XXXX XXXX.

All excessive inquiries should be removed immediately and updated accordingly to reflect a positive status.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, at approximately XXXX XXXX, I received a call from an individual. He conveyed to me that I held a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. He advised me to contact the corporate finance office for the timeshare., In the ensuing days, I engaged with various individuals and entities, including the finance department . To alleviate my skepticism, provided a grantor letter and advised me of the time sensitivity of the offer, stating that waiting until a later date would entail an additional XXXX fee for account reactivation. 

On XXXX XXXX, I went to Chase Bank to wire the funds as directed to a source I believed was true. I began to wonder if it was a Scame or not at this point. So I sent Chase a request to reverse the transaction on XX/XX/2023. On XX/XX/2023, I received a notice from Chase saying they were going to look into the matter further and reverse the transaction. On XX/XX/2023, I received another letter from Chase denying the reversal.
Consumer complaint received 2022-10-19
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. (FL)

Despite the multiple dispute letters and CFPB Complaint I have been submitting against the Credit Reporting Agencies, the Credit Bureaus still have the audacity to continue their erroneous reporting of the disputed fraudulent accounts and information on my Credit File. I previously sent a dispute letter to the Credit Bureaus last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, a month have passed and yet the Credit Bureaus have failed to respond to my dispute letters. Upon checking my updated Credit Report, I was surprised to see the disputed items still appear on my Credit File. The Credit Bureaus ' actions is a clear violation of consumer rights and is punishable by law. I seek help from a legal counsel and they are willing to help me file a lawsuit against the Credit Bureaus. I am submitting this CFPB Complaint to the Credit Bureaus to remind them of the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed fraudulent accounts and information from my Credit File within the time allotted by the law. Also, if the Credit Bureaus do not comply with the requests and respond within the next 30 days, I will be filing a lawsuit. I am requesting that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (FL)

I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. 

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.
Consumer complaint received 2022-10-19
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I have tried disputing an account with Discover 2 times now. Discover is reporting false information about my account and the credit bureaus are not getting or not providing me with any documents that I requested. I have requested that Discover provide proof of me making my last payment on XXXX of XXXX. My last payment was XXXX of XXXX and this should have gone off my report last year according to the credit bureaus info on their website ; stating 7 years from the original late payment date. Discover is claiming it was current until 2 years later which is a bold face lie. I believe they should produce my account activity including these payments I supposedly made after XXXX of XXXX with copies of checks or debit card info or however they claim I made these payments. There are no documents I can provide to prove I didn't make payments when they claim I did.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NM)

On XX/XX/18, I visited XXXX in order to request my annual free report from one of the three bureaus ( Experian ). Although I have given the exact same information before and received my credit report online from the other credit bureaus, this is the second time in one year that I have been refused my online report from Experian, with a perfunctory notice to request a hard copy. This matches reports from others that Experian is not readily allowing consumers to access their credit reports with the bureau electronically, instead having to mail or call to request a hard copy of their report. This is a barrier to access that is patently absurd for a company that maintains its existence by aggregating the personal information of consumers and profiting from that info, with zero benefit to the consumers themselves.