davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-06
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. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts and their balances ( two accounts one in the amount of {$4100.00} and the other {$1200.00} ) from my credit report as soon as possible.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX and XXXX are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX, Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law XXXX XXXX Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood. 

15 U.S. Code 1681e ( b ) states 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.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, Experian and XXXX are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report.

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I was pre approved for {$4200.00} for Upgrade+ via XXXX XXXX but as soon as I submitted the application I was denied. So I called customer service and the agent let me know I was denied because of public record couldnt match my SSN to a valid cell phone account. My cell phone is under my business XXXX not my SSN. We are not required to have a cell phone under our SSN. I asked was there any other way to verify my identity. XXXX the supervisor said no and I thought that was really unfair. I called XXXX to verify my name was added to my business account as well. They updated my account over the phone. Screen shot attached. However they said my XXXX does not need to be added to the account. The Last XXXX of my SSN : XXXX
Consumer complaint received 2022-12-08
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-08
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. (MD)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, I initiated a dispute with Experian, requesting verification of the aforementioned account and the correction of any inaccurate information, or alternatively, its removal from my credit report. According to the FCRA, particularly under Section 611 ( 15 U.S.C. 1681i ), a consumer reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving a dispute to determine the accuracy of the information in question. As of the Experian report dated XX/XX/XXXX, the inaccuracies remain unaddressed, exceeding the statutory time frame. Given that the requisite period has elapsed without rectification or deletion of the disputed information, I am now demanding its immediate deletion in accordance with FCRA guidelines. 

In relation to the challenges I am facing with Experian and the inaccurate information on my credit report, case law reinforces my stance and the importance of compliance with FCRA mandates. The decision in XXXX XXXX XXXX ( XXXX ) held consumer reporting agencies responsible for ensuring maximum accuracy of credit reports, in alignment with FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Furthermore, XXXX XXXX XXXX XXXX ( XXXX ) affirmed the obligation for a reasonable and diligent investigation upon the disputing of reported information by a consumer. 

The failure to make the requisite corrections on my report is reminiscent of the situation in XXXX XXXX XXXX XXXX XXXX ( XXXX ), which emphasized the duty of credit bureaus to revise or eliminate information that could not be verified post-dispute. These cases collectively demonstrate that the dismissal of verified disputes or the insufficient investigation of such disputes does not stand up to legal scrutiny and is a breach of the duties imposed by the FCRA. 

Considering these legal precedents, it is clear that Experian is compelled to address disputed information with diligent and reasonable investigation and, failing that, to remove the unverified information to maintain the integrity of credit reporting as mandated by law.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the XXXX data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many
Consumer complaint received 2023-10-06
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. (MI)

There are inaccurate reporting on my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC (MI)

Pay Tomorrow and XXXX completely disregarded the document that I uploaded as proof that clearly shows we made every payment every two weeks since we attained the loan. we have never been 30 or 60 days late. bank statement CLEARY shows this and the refused to address the issue.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over 80,000 each due to negative credit shown on my consumer report. Ive also had to consult with the XXXXXXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX Data breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.
Consumer complaint received 2023-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. I have reported it to the police and XXXX. I can not get in to capitol one or the other 2 credit reporting agencies as of yet. My credit has addresses, names, a job, a spouse and post office boxes that do not belong to me. Please stop anything you can as I personally have nothing at all in the way of cards or assets. Please contact me through email. I appreciate your time. 
XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX some applied for a credit card through an airline credit called XXXX with the lender of Bank of America. I noticed this on XX/XX/XXXX. I have called all 3 credit bureaus freeze my credit with all 3 froze my credit cards I have on hand. I have called Bank of America to cancel the credit card.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (WI)

On XX/XX/22 I was notified by mail that my property taxes were not paid from my escrow account with Flagstar Bank by XXXX County Treasurer. I contacted XXXX County to confirm no payment was received. 

I called Flagstar Bank on XX/XX/22 & XX/XX/22 to try to get them to pay the amount of XXXX for property taxes. They kept saying they paid it without any proof even after I notified of the deliquefy paper. They refused to paying it and said it was my problem.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 ) 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.
Consumer complaint received 2023-10-06
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 Better Business Bureau, 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.