davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AL)

To whom it may concern. 
My name is XXXX XXXX. I have an ongoing investigation/case on my account that I know was closed to avoid yearly fee of {$99.00}. 
XXXX XXXXbeginning of XXXX- I have called customer service line, spoke to representative and closed my account, told her I did not need the card and asked to waive the XXXX fee. She confirmed the account closure was successful and fee waived. Afterwards I have destroyed my card, my login information and everything else related to my account. I always keep my finances in order and I have explained to representative that I did not need another card with yearly fee. 
As stated, I removed all information I have regarding login and password on file and destroyed my card then. I have not been able to login to my card and have only last 5 digits of the card XXXX since then. When I call they locate my card by SSN and last 5 digits of the card. 
However, on XX/XX/, I have received a statement from AMEX. I've called and spoke to representative that I had already closed my account. Her name was XXXX. She informed me that I my account was still active!!! 
I've informed her that I did indeed close and she on her end made sure that time I do close my account. Also during the conversation I had asked to start investigation as to why my account was not closed. She assured me that they will send request to higher level and investigate. 
XX/XX/ - I receive the statement again for XXXX yearly fee. I call again, representative makes note on my account and tells me investigation is still in process and might take until XXXX. Makes note on my account. 

Afterwards I receive NO update and nobody attempts to contact me regarding investigation. 

XXXX XXXX  - I contact AMERICAN EXPRESS. The representative said investigation was closed and I still owed XXXX because " random '' phone conversations were checked and they could not locate my request to close my account back in summer. He said he would make a note and ask someone to contact me. 

I have created a complaint through XXXX  case number XXXX. I am seeking assistance as to I have no communication from AMEX and they would not waive the yearly fee because they say my account was not closed in time for a yearly fee waiver. I oppose and believe the representative intentionally did not close my account and falsely told me they did. 
I am very disappointed in the service and also having not received any updates, calls, emails regarding my case and the results. 

Again, I have no access to my card, login information and have no idea why the card wasn't closed on my first contact. 

Regards XXXX XXXX, Card ending in XXXX ( all I know )
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Both TransUnion and XXXX show my bankruptcy accounts with XXXX, XXXX, and XXXX  day delinquencies/past due accounts. This is false information. The credit companies are not reporting this, but they are reflecting in on my report as such. Status shows as never late but in my overall report it shows I have at least XXXX accounts that are currently delinquent/past due. This is inaccurate reporting and is causing me to not be able to get home owner 's insurance, a new mortgage loan, etc - even though my credit score is not poor.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc (CA)

The XXXXXXXX XXXX  debt from XXXX is past statute of limitations. I keep applying for apartments but I am told I have an eviction record on my consumer report from XXXX in XXXX when I never got evicted or served. I left to go abroad due to a family emergency and did not pay last month rent. I am willing to settle my debt but this eviction record has to go as it placed me in a situation of dependence on my XXXX for housing since no apartment will allow me to rent with them. He is doing XXXX XXXXXXXX on us and XXXX XXXX and I have to stay at hotels due to a XXXX XXXX This is due to this eviction record but I never was told about it. I lost XXXX XXXX XXXX applying for apartments until someone told me it was due to this eviction record. How do I get this inaccurate eviction record off my report when trying to rent? Thanks in advance.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by XXXX XXXX XXXX  against my credit. I have not recently or ever applied for a XXXXXXXX XXXX XXXX XXXX 

This was only an inquiry and it does not appear that the credit card was approved.
Consumer complaint received 2022-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

I went for an emergency visit to XXXX XXXX XXXXXXXX XXXX on date XX/XX/2022 when I was positive with XXXX  and was feeling unwell due to some XXXX in the XXXX, XXXX and XXXX. I was in the XXXX  for a total of XXXX minutes for which the doctors directly told me they did not know what I had. This resulted in the XXXX charging me an amount that did not match the solution or treatment provided. I was seen by 3 staff members and they all performed the same procedure as they do not trust what the others already did. At the end, their solution was for me to go home, very professional? I was sent a bill home for {$910.00} which surprisingly had a discount of {$510.00} to make the amount I had to pay {$400.00} for the little service provided, I find this as authorized stealing. This amount was fully paid on XX/XX/2022 for which I have the proof of my bank activity due to them not providing any receipts of payment apart from an email which I also have as proof. Recently, I am receiving calls from you, the debt collectors, saying that I have to pay an amount of {$280.00} this is the final amount requested and I will not go into detail of the ridiculous real amount and supposed discount because it was you who sent the information. I want you and the XXXX  to get on the same page and stop trying to charge something I do not owe. I want this resolved immediately and I want confirmation of you receiving this email and your response so I can seek the necessary legal help in case you not resolving this. Furthermore, I want an explanation of why this happened and why it is allowed for a XXXX XXXX to steal money openly and it being supported by debt collectors. Also, understand that the delay in this response is that you had my address wrong to start with and all your calls are during my work hours.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Thanks in advance for assisting in resolving this matter
Consumer complaint received 2024-03-25
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-03-25
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. (VA)

Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. All of the other addresses reporting onto my credit report are not accurate and are not my current residency. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 


The following addresses below are inaccurate : 1XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-09-06
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-06
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. (MS)

Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX  : # XXXX : FRAUD / ID THEFT XXXX XXXX  : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXX XXXX : # XXXX : FRAUD : XXXXDTHEFT XXXX XXXX  : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC
Consumer complaint received 2024-03-25
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. (AL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-06-02
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. (NV)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXXXXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of Equifax with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : Equifax info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-02
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission 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 confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to my recent review of the credit report provided by your agency, there are items that I believe are incorrect and require immediate attention. I kindly request that you investigate and rectify these errors as per my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-09-06
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. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX -
Consumer complaint received 2022-09-05
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. (LA)

Dear Sir or Madame, I have made multiple complaints with experian and both XXXX to report a company called credit acceptance reporting incorrect fraudulent information on my credit report For the last six years credit acceptance has been reporting inaccurate to the credit bureaus. Which has affected my credit. XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. Experian and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. This has really impacted me to use my VA benefits.