davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX XXXX name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXX Credit Card responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my report.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine and I do not live in the address reported. Also, I do not file bankruptcy in any court. 

XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXX XXXX  : Account Number:XXXX 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 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$200.00} ; XXXX XXXX XXXX**** XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of 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 XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sezzle Inc. (MS)

A chargeback with my credit card was resolved in my favor for merchandise not received. The payments were made through sezzle who is trying to show the payments as overdue ( late ) payments rather than disputed and refunded. They are trying to say I owe this amount back when I was successfully credited back through my credit card for merchandise not received. The order took place in XX/XX/XXXX with merchandise that was supposed to be received in XXXX of XXXX chargebacks were filed in XXXX of XXXX. They said they didn't have information from my bank showing it was closed in my favor and asked to provide that. I did so and are still say it could take months to remove the owed late payment notification.
Consumer complaint received 2021-02-15
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 — Investigation took more than 30 days
Company: OPORTUN FINANCIAL CORPORATION (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to express my dissatisfaction with the discrepancy between the promotional terms advertised on the Capital One website and the terms I was provided with after applying for the Capital One SavorOne Rewards credit card. 

Three months ago, I applied for the Capital One SavorOne Rewards credit card during a promotional offer wherein the cardholder would receive a {$200.00} sign-up bonus upon spending {$500.00} within three months. According to the terms listed on the Capital One website ( see screenshot attached ) : " This one-time bonus is available by clicking the 'Apply Now ' button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. '' Despite meeting all the requirements above, the sign-up bonus has not been posted to my account as of today, XX/XX/XXXX. In light of this, I contacted Capital One 's customer service, and the representative I spoke to, XXXX, informed me that my credit card offer had different terms compared to those displayed on the website. She asserted that I had not applied for the correct credit card, despite my clear understanding that I did. 

XXXX proceeded to share the credit card terms with me through the Capital One portal site ( please see attached ). However, it is my understanding that credit card terms and disclosures should not include sign-up bonus details within the document. This discrepancy between the advertised terms and the terms provided to me post-application constitutes misleading marketing practices, as it led me to sign up for the credit card with specific expectations based on the language written on the website. 

Given these circumstances, I am submitting a formal complaint to the Consumer Financial Protection Bureau regarding this issue. I believe that Capital One 's failure to honor the advertised terms constitutes a breach of trust and fairness towards its customers. 

I respectfully request a thorough investigation into this matter and a resolution that aligns with the original terms advertised. Additionally, I expect transparency and accountability from Capital One in addressing this issue promptly. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (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 2023-07-05
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. (NM)

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 accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a protest to CAPITAL ONE with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, CAPITAL ONE will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Consumer complaint received 2018-04-13
Product: Credit card or prepaid 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: WESTERN UNION COMPANY, THE (NJ)

My XXXX credit card was charged {$810.00} on XX/XX/XXXX, two transactions of {$400.00} each. The charge was through Western Union, and I did not make this transaction and did not authorize use of my card for this transaction. Neither XXXXXXXX XXXX nor Western Union will give me my money back. Again, I never authorized the use of my card for this transaction. Western Union charged my card without my authorization. I have no idea who they gave the money too, none, and they won't give me the money back to me. They stole {$810.00} dollars from me and I'm getting it back.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint against XXXX XXXX regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely Equifax, XXXX, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to XXXX XXXX XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). 

Per FCRA regulations, XXXX XXXX was provided with a 30-day window to respond to my opt-out request. However, to date, I have not received any response from XXXX XXXX, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against XXXX XXXX for their failure to comply with my opt-out request and for violating the provisions of the FCRA.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-07-03
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act 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 who the report relates, XXXX. ) XXXX XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX XXXXXXXX ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/year> asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Consumer complaint received 2024-03-21
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 am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration. 

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them. 

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference. 

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.