davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Credit Reporting Companies, XXXX XXXX XXXX I have reviewed my credit reports and found that in regards to this account none of you all have it accurate. I have spoken with a supervisor at XXXX XXXX and he agreed to delete this account or update it to never late as it should be. Your willful non compliance with FCRA and FDCPA Laws that requires you to delete this account when there are so many inconsistencies and inaccuracies has severely hurt me and is about to make me and my XXXX XXXX homeless! I am begging you all to treat me with respect as a human and just be fair and admit that this account needs to be deleted! Each of you have reporting this account as verified before, both XXXX and XXXX deleted it for a month, then while I had my credit profiles unlocked it seems that you all saw that Experian still had the account then put it back. 

I am going to list a few of the inaccuracies and show you what each are reporting. 


XXXX and XXXX correctly lists this as an Installment Account, however Experian lists it as a Home Improvement account under real estate which is just outrageously wrong. This must be corrected immediately as it is causing serious issues that will leave me and my baby homeless! 

XXXX has the following dates as late, XXXX  XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) then XXXX ( 90 days ) This is grossly inaccurate and its impossible to be correct. The previous investigator clearly lied and did not catch this error. This account must be deleted immediately from XXXX. 
There is no date of first delinquency because this account was never late. Again your reporting must make sense and be accurate, if not it must be deleted. You all keep failing so its time to delete. 

XXXX has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

Experian has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, The type of loan should be installment like the other two agencies report it, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

I have attached documents to show this. Please delete this account quickly this is severely harming my life. The account has been paid off in full and there is no reason for you all to keep this on my profile.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Reporting Companies, XXXX XXXX XXXX I have reviewed my credit reports and found that in regards to this account none of you all have it accurate. I have spoken with a supervisor at XXXX XXXX and he agreed to delete this account or update it to never late as it should be. Your willful non compliance with FCRA and FDCPA Laws that requires you to delete this account when there are so many inconsistencies and inaccuracies has severely hurt me and is about to make me and my XXXX  XXXX  homeless! I am begging you all to treat me with respect as a human and just be fair and admit that this account needs to be deleted! Each of you have reporting this account as verified before, both XXXX and Transunion deleted it for a month, then while I had my credit profiles unlocked it seems that you all saw that XXXX still had the account then put it back. 

I am going to list a few of the inaccuracies and show you what each are reporting. 


XXXX and Transunion correctly lists this as an Installment Account, however XXXX lists it as a Home Improvement account under real estate which is just outrageously wrong. This must be corrected immediately as it is causing serious issues that will leave me and my baby homeless! 

XXXX has the following dates as late, XXXX  XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) then XXXX ( 90 days ) This is grossly inaccurate and its impossible to be correct. The previous XXXX clearly lied and did not catch this error. This account must be deleted immediately from XXXX. 
There is no date of first delinquency because this account was never late. Again your reporting must make sense and be accurate, if not it must be deleted. You all keep failing so its time to delete. 

Transunion has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

XXXX has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, The type of loan should be installment like the other two agencies report it, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

I have attached documents to show this. Please delete this account quickly this is severely harming my life. The account has been paid off in full and there is no reason for you all to keep this on my profile.
Consumer complaint received 2023-10-05
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. (MD)

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 2024-04-06
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: EQUIFAX, INC. (PA)

After reviewing my credit report I sent a letter requesting Equifax to review my accounts and send me a written description of results. Equifax replied with accounts verified and or updated. I wrote a second letter requesting description on how accounts were verified. The results were the same, verified or updated with nothing changed on my credit report and NO written description as requested on how the accounts were verified. According to 15 USC 1681i7 Equifax has violated my rights on two separate accusations now. I would like these accounts removed under the Fair Credit Protection Laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

On  XXXX   XXXX ,   XXXX   I made a purchase originating fro m homedepot.com that c harged  XXXX  to my Home Depot Credit card. The store was unable to fill the order and cancelled the order on the same day. I received an email cancellation and refund confirmation when store cancelled my order. I waite d for one wee k and my refund did not get processed. I attempted to resolve with the store and they insisted that they could only refund me if I presented my card and ID in person. I contacted customer care wi th Home Depot and the  referred me back to the store stating that they were unable to assist. I disputed the transaction on my credit card. I called the credit card disputes department for my home depot credit card on  XXXX / XXXX /  XXXX   and was advised that my dispute was closed and needed to be reopened. I advised that the dispute is not resolved and that the store has had an opportunity to represent to my dispute and should not be allowed to reset their dispute clock. The agent advised that the merchant has not represented. The credit services/claims associate advised that she could not escalate this claim. I advised that they are out of compliance with lending regulations. The associate offered no further resolution. Called  Store  on  XXXX / XXXX /  XXXX   and was advised by  manager on dut y  XXXX   that they are un able to process the refund unless I come into the store.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-04-18
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. (GA)

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 2023-10-05
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. (VA)

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 2023-11-07
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. (CA)

ON XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX AND XXXX XXXX XXXXXXXX ON XXXX XXXX MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I was advised by employees at Equifax and XXXX to fill this out to remove the fraudulent and unauthorized inquiries from my credit report. Please remove them as I do not recognize them.
Consumer complaint received 2023-10-05
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

The Hardship department told me there was nothing Capital One could do to help me. I had requested that they lower my bill since I did not authorize the purchases, but it came as a result of a scam in which I was victimized for {$24000.00} on XX/XX/2023 ( the scammer purchased # XXXX XXXX XXXX XXXX XXXX  ). Capital One 's Fraud department did acknowledge the purchases were made fraudulently, and they even sent me a letter stating that I was not liable for any of the amount on XX/XX/2023. However, they sent another letter on the same day ( XX/XX/2023 ) stating I was liable for the total amount, and ( at least ) the minimum interest payment was due XX/XX/2023. After making many calls to C1 's Fraud Department and Hardship Department, I learned that C1 's " Zero Liability Policy '' does not cover scams and that I was liable to pay the total amount according to the contract. While I agree that I should carry some of the responsibility ( scams are a hard lesson ), I do not agree my responsibility is 100 % because it was never my intention to undermine my security ; nonetheless, Capital One 's security in making sure the purchases were not made under pretense. However, Capital One distinguishes between " fraud '' and " scam. '' To qualify for Capital One 's " Zero Liability Policy, '' the client must have zero knowledge of the transactions. Their policy, as evidenced by their letters, contradict each other, for a scam is fraudulent by nature and act, and therefore there is no distinction. I am asking for your assistance in two ways. I would be satisfied if Capital One carried at least 50 % of the loss and my story is published so that others will carefully consider their bank ( s ) of choice, including credit limit for everyday general-use credit card ( s ). I did not choose Capital One as my credit card. That choice was made by XXXX 's when they decided to switch from XXXX XXXX. I had been using XXXX 's credit card for groceries and small household purchases via my XXXX 's membership. In order to increase my security ( through several means as result of this hard lesson ) and gain greater peace of mind, I intend to close my account with Capital One.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-04-06
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)

This is to folow up despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

Furthermore, the prolonged delay in resolving this issue has had significant consequences on my financial well-being. I have experienced undue financial hardship and stress due to the presence of these fraudulent items on my credit file, which have hindered my ability to access credit and obtain favorable terms. 

XXXX a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERV XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (NV)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 


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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me