davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named XXXX. The reason for my initial dispute with this company as well as TransUnion, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. My question to is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to the FCRA U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you are reporting information that by law should NOT be included on my credit report? I have also brought this information to the XXXX XXXX XXXX attention as well as my attorney general. Reverse all late payments that are reporting on the account ending in 1053 to paid on time.
Consumer complaint received 2024-03-16
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. (SC)

I did not apply for credit or give WRITTEN consent. These accounts are fraudulent. I did not enroll or apply for these. This is a violation of 15 USC 1681b. Without consent or knowledge pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 items identified as identity theft must be deleted and blocked. SEE ATTACHMENT
Consumer complaint received 2022-05-20
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: NAVY FEDERAL CREDIT UNION (NJ)

In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX XXXX, navy federal cr un, XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-05-22
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: Resurgent Capital Services L.P. (PA)

I am not liable for this debt with XXXX XXXX XXXX XXXX and did not have a contract with LVNV FUNDING. They did not provide me with the original application like I asked.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven 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 innaccurate.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

I've been a customer with money Lion for about XXXX years. I have had XXXX {$500.00} loans with them, both of which were made on time payments and paid off early. It's important that I mention that I reported to money lion about a situation with my card being skimmed back in XXXX. It took XXXX months for me to get {$220.00} back into my account. During that time I stopped XXXX membership payments of {$20.00} each for XXXX months. In turn Money Lion reported my account as being late on XXXX loan payments which is not the case. I've tried on multiple occasions to shed light on this situation to a money lion representative. The last time I did, was XXXX days ago and the representative told me to dispute with credit bureaus, to which I have but to no avail.
Consumer complaint received 2022-11-13
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: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These are reported on credit reports fraudulently and I demanded all credit bureaus by letters. 
I've sent my letters in, they have yet to provide me with results. this was almost 30 days ago and still haven't got anything I demanded by law.
Consumer complaint received 2020-07-12
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2023-05-02
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. (PA)

I checked again my credit report and found that some of the data wereincorrect. 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
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MN)

to whom it may concern : you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (IN)

XXXX XXXX- $ XXXX should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX  {$0.00} balance this should not be on my report its closed XXXX balance and doesnt not belong to me. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication. 

XXXX XXXX {$3500.00} should not be on my report it does not belong to be. I have requested that Experian removed this information or presents documents but has not done either one. I have requested this 3 times in writing with certified communication.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I reviewed my credit report and there are 3 agencies listed on my report for credit cards I have no responsibility to. I spoke to XXXX ( XXXX ) on 2 of those accounts that belonged to my deceased father in law ... and they agreed that they needed to remove it from my credit report and it was their error. I spoke to them today XX/XX/2023. 
However, the other item reported is by capital One Walmart account that is also my father in laws account. He was the responsible party on the account... he had a card issued to me under his account only for me to buy his items once he become immobile. I again was only an authorized user and not responsible party. I spoke to the capitol one credit department. They said they would work on the situation and send a letter to me with their decision. It is wrong in so many ways .... I am trying to rebuild my credit and this has hurt me severely. I want it removed immediately. They already have said I was not the responsible party so why do they get to leave it on my credit reports??? It is harmful to my livelihood and credit opportunities. My name is XXXX XXXX XXXX is my phone number. Please contact me on how to get these negative reports dealt with.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX || Date of inquiry : XX/XX/2023 - XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (TX)

I'm a victim of identity theft. I have reached out to everyone company that was reporting on my credit report for them to remove that inaccurate information. I did a credit dispute XX/XX/, with account number ending in XXXX. First progress responded back to me with a letter stating in order for them to initiate an investigation, they need to receive the specific information that I am disputing and an explanation of the basis for the dispute, and supporting documents I have attached to this complaint.
Consumer complaint received 2023-03-03
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. (MA)

in accordance with the credit reporting act XXXX XXXX XXXX ( Account # XXXX ) 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 Also states a consumer reporting agency can not furnish a account without my written instuctions.
Consumer complaint received 2022-11-01
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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. (FL)

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.

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In XX/XX/2024 I attempted to open an online account with Equifax, but only to receive an error code NH and phone number to call. After calling the number, I was instructed to mail via USPS my driver 's license and social security card. I have mailed in the necessary documentation multiple times and Equifax says they have not received any of it. 

The last interaction with Equifax, the representative had me take a photo of my driver 's license and face. Those images were then sent back to Equifax via a mobile application. The representative proceeded to tell me they could not verify my birthday and I would have to mail in my identification again. I explained that my birthday is on my driver 's license, but it was futile. It was in this moment I realized Equifax is fraudulent. 

I will now begin a campaign to expose Equifax for being a negligent monopoly. Equifax 's reporting is libelous and criminal. Weeks of me reaching out and Equifax not once called or emailed me. I have XXXX correspondence from them. This complaint will be documented and used as evidence.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX