davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX  XXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX  XXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-10
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 (NY)

I Did not consent to authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX I did not consent to authorize nor benefit from the following account Capital One Bank Account Number : XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2024-03-12
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)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
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: ALLY FINANCIAL INC. (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-08
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. (TX)

To whom this may concern, I have inaccurate information on my credit report. It is really affecting my well being. I called all three credit bureaus to get some directions on how to fix this issues. They did not help me. I have collections and charge offs of accounts that I never applied for. If there is anything you can do to help my situation it will be greatly appreciated. My information was also involved in the XXXX data breach. 
Thank you.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (UT)

Upon checking my credit report I discovered a debt collection from Penn Credit Corp. for {$160.00}. This was for utility services from XXXX XXXX XXXX XXXX. Someone applied for these services using my name and social security number fraudulently. I contacted the credit company and they sent a bill of collection asking for a police report and documentation that these charges were not mine. This report is one of the documents.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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. (NC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-08
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing in response to the statement I received from a email from Experian indicating that you have not taken any action on my recent request regarding my credit information due to concerns regarding its origin and authorization. I must respectfully disagree with this statement, as it appears to be inconsistent with the provisions of the federal Fair Credit Reporting Act ( FCRA ) regarding the dispute process. 

The FCRA, as you have correctly cited in your statement, states that " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' This provision explicitly affirms the consumer 's right to dispute any inaccurate information directly with the credit reporting company, without requiring the dispute to be sent directly by the consumer. 

I believe it is essential to uphold the principles of the FCRA, which are designed to protect consumers and ensure the accuracy of their credit reports. Any suggestion that disputes must be initiated only by the consumer directly contradicts the clear intent of the FCRA. 

I kindly request that Experian reconsider its stance and take the necessary steps to initiate a thorough investigation into my recent dispute as per the FCRA guidelines. My dispute was submitted in good faith and with the expectation that it would be handled in accordance with federal law. 

I appreciate your prompt attention to this matter and your cooperation in resolving this dispute in compliance with the FCRA. Please keep me informed of the progress and outcomes of the reinvestigation. 

Thank you for your assistance in ensuring the accuracy of my credit information and for upholding the rights and protections provided to consumers under the FCRA. 

I am attaching my original dispute and my documents again.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I had made a non interest purchase for materials if paid in 6 months, company didn't put payments to promotional purchase, tried to have it fixed, they were not accommodating at all, made additional payments to be applied to purchase, and got charged over {$90.00} in interest even after being told I would not be Also effected payments to other cards that I have balance with, because I made over XXXX in payments to this card in past 6 months to not pay interest
Consumer complaint received 2023-06-09
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. (NY)

XXXX XXXX - XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-09-08
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2024-03-12
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. (IN)

Please consider this my Notice of pre-Arbitration After disputing the inaccuracies in my account, I requested the full account statement via phone call. XXXX XXXX, the Director of Operations, emailed me the requested documents. Upon thorough review, it's evident that this account has been inaccurately reported to both my Experian and XXXX accounts, while being completely omitted from my XXXX report. The pay ledger from XXXX XXXX indicates the last payment date as XX/XX/XXXX, and the account was charged off on XX/XX/XXXX. As per FRCA Furnishing laws, accurate and complete reporting is mandatory. Despite multiple investigations, the inaccuracies remain uncorrected. 

Moreover, the payment summary incorrectly indicates a collection status when the account should be in a charge-off status. Additionally, the account has been reported as in collection status for over six months, which is a direct violation of my consumer rights.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation (CA)

I thought I was applying for a loan like companies like XXXX, XXXX, etc. I downloaded app Albert. everything is confusing from there. A savings was set up I think, I realized it was not what I thought, so I have tried to cancel it. Instructions given were confusing, the details were not present in app, I emailed Albert.com and nothing was clear, there was not a live agent available. I want to be totally disconnected from Albert. Albert has yet to give me clear direction to be disconnected.jor cancelled. A note said there would be {$60.00} taken from my bank account. I do not authorize this!
Consumer complaint received 2023-07-13
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXXXXXX XXXX  while we await a loan modification decision from their underwriter.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a FEMA disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX XXXX  while we await a loan modification decision from their underwriter.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXXXXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.