davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
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. (FL)

After months of exhausting all avenues in an attempt to have Experian remove inaccurate information from my credit report, the company has continuously disregarded my efforts, responding to each of my disputes with automated replies. Each dispute contained clear evidence of the inaccuracies, including proof that, for two accounts, the creditor failed to provide a copy of my signed agreement within the required 30-day period following my certified mail request. These creditors did not meet the legal deadline, and as a result, these accounts are being reported illegally on my credit profile. 

In light of the ongoing damage Experian has caused by continuing to report inaccurate and illegal accounts on my credit profile, my lawyer and I have decided to proceed with a lawsuit against Experian. 

Experian has 5 days from the receipt of my lawyer 's certified mail to delete all inaccurate and illegal information from my credit report.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Sent several letters to verify debt in XX/XX/year> & XX/XX/year> to confirm debt owed to company sending invoices to collect XXXX. Company repeatedly sent letters from the company they purchased my information from. I do not have a contract with Portfolio Recovery Associates , LLC
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-05
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. (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.
Consumer complaint received 2024-08-12
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. (TN)

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 U.S.C. 1681. 

All accounts are held by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX XXXX. XXXX Account XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXXXXXX account number XXXX about {$770.00} XXXX. XXXX XXXX XXXX account number XXXX amount {$510.00} 15 USC 1681 ( s ) ( 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.

15 USC 1679c DISCLOSURE LAW IN 15 USC 1681 STATES THAT NEGATIVE INFORMATION SUCH AS UNPAID DEBTS COLLECTION AND STUDENT LOAN DEFAULTS CAN USUALLY ONLY REMAIN ON A CREDIT REPORT FOR 7 YEARS. 

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : Alos states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to the inaccuracy of these reports I have not been able to obtain a home and other necessities that are needed by credit score. Also they have not given me any information on these accounts. They have violated my rights and not have sent any information on how they obtain my accounts. I want them removed and my credit restored immediately. 
Kind regards,
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have bank of america for last 20 years. I used to get email when my balance of my account go below theshold limit so i do n't pay them maintenance fees.     bank of america has started charging me {$14.00} fees for las t three mo nths without my knowledge, as i was not getting any paper or email statement starting from  X/XX/2017    to   XXXX     i have paid {$42.00} in maintenance fees.     every time i tried to call them the line is too busy and there is no email address to send them email on there website.
Consumer complaint received 2022-10-17
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: SYNCHRONY FINANCIAL (GA)

i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Acct # 280930 has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically XXXX, Experian and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear XXXX Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by XXXX XXXX XXXX, regarding an alleged debt to XXXX XXXX XXXX  The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Agency : XXXX  XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account.

I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim.

Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Absolute Recovery Services, LLC (TX)

Owner of account had filed bankruptcy which was settled in court and paid {$3000.00} court agreement which was the remaining balance of lease. Now company trying to reclaim {$14000.00} which this account is settled by the owner of the account in bankruptcy case. I no longer was with the individual as this was settled back in XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (FL)

I have a lot of hard inquiries on my credit I know nothing about someone is trying to get credit cards in my name and someone is trying to use my credit and I have no knowledge of this. I tried calling XXXX they told me that I had to get in touch with cfpb I need all of these hard inquiries remove and other things that is on my credit remove I have no knowledge of
Consumer complaint received 2023-05-17
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. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new car and home. 

These are the accounts and their account numbers : 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 XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX XXXX  Account numberXXXX XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

LAWS NOT FOLLOWED- 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Ive been a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

My loan payments were always sent on time. I keep explaining this to XXXX and Transunion but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX PA XXXX PA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX, XXXX XXXX Balance : {$120.00} ; XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX XXXX .... Balance : {$320.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1300.00} ; XXXX XXXX XXXX XXXX .... Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-18
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 ... ....
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Can I get check images for check numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? The dates should be on the PDF I've attached. 

Again you're communicating with XXXX XXXX not XXXX XXXX.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX