davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (CA)

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2020-03-09
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. (IL)

The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX USA, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and Transunion to cease this reporting and they continue to simply send me to the other entity.
Consumer complaint received 2022-08-21
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. (PA)

I received a email about a inquiry on my credit report so I checked my report and found several false inquiries on my report which includes XXXX 3 times, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OR)

I cancelled a prepaid trip with a travel agency. The prepayment was made via my CITI VISA COSTCO credit card and the travel agency processed the refund back to my VISA caerd on XX/XX/2020. That produced a credit balance on my card of over {$10000.00}. VISA applied part of the refund against my current but not yet due balance and reflected the remaining amount as a 'credit balance ' of {$9900.00}. I asked VISA on XX/XX/2020 to refund that credit balance to me via a transfer to my money market account. I was told it would take 3-5 business days to process the transfer after it was approved. Today is the fifth business day since I made the transfer request and CITIBANK 's customer service team tells me that the transfer request, a refund, has not been approved yet and there is no time line as to when that approval will occur. Only after that approval does occur, will the 3-5 business day timeline commence. Hence, CITIBANK could retain my funds for an indeterminate period before I can receive a refund of money which I had previously remitted to them when I paid the balances that I had previously charged with the travel agency. In essence, CITIBANK is getting an interest fee loan from me by delaying a refund of my money.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 AcXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX 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 2023-03-16
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-05-25
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)

I have viewed my consumer report and noticed Transunion have took an unjust advantage by reporting anything you want without my written consent and directly violating my privacy. My social security number is my consumer account and anything that is used from it or connected to it must have my explicit written consent. I request proof and a copy of the legal government document I have provided. My consumer report shows my nonpublic personal information being used unlawfully and exposing my private information without my explicit written consent. Late payments, Accounts, Account balances, Utilization are all nonpublic personal information and without my authorization or consent is identity theft. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to block everything identified from being reported to consumer report within 4 days from the date of this letter.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Inaccuracy/Violation # 1- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy/Violation # 2- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. These dates must all match and be the same to adhere with the FCRA. 

Inaccuracy/Violation # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. Every month these dates are being updated to the most current which is against the FCRA. 

Inaccuracy/Violation # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy/Violation # 5- This account is reporting as past due amount of {$510.00} and collection accounts are not to be reporting a past du balance. This is also a violation. 

Other inaccuracies and violations include missing information. There is only one close date being reported which is with XXXX and that is on XX/XX/XXXX. The format is not matching any other date on the credit report and XXXX and Equifax is missing the close date. It is also reported that the term of this was 27 months, but the last payment date reported for XXXX, XXXX, and Equifax are all after 27 months. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have written several disputes and verification letters to XXXX XXXX amd XXXX XXXX  asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of XXXX. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with both parties. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

sent letters out to the credit bureaus XXXX, Equifax and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX still no reply. Its been over 90 days. please delete and remove what hasnt been verified. 

XXXX XXXX XXXX verify the debt XXXX XXXX XXXX verify debt XXXXXXXX XXXX account paid, creditor agreed to completely remove. 

XXXX XXXX XXXX- account paid, creditor agreed to completely remove.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have submitted online disputes about items on my credit report that are the result of incorrect information. But TransUnion has not responded to my request. These items should be removed from my credit report immediately.
Consumer complaint received 2023-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have never in writing allow this company to share any information or furnish any information regarding my information to any party. They do not have a written consent to report or furnish my information to anyone. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THERE HAS NEVER BEEN ANY WRITTEN INSTRUCTION BY ME TO THIS COMPANY TO FURNISH MY DTATA TO ANY CREDIT REPORTING COMPNIES.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the erroneous accounts that I need you to fix and correct as soon as possible XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance {$4800.00} XXXX XXXX XXXXXXXX XXXX  Balance {$8400.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant XXXX and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
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. (AZ)

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX, XX/XX/23 XXXX. XXXX XXXX, XX/XX/23 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-06
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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/2023 I received a hard inquiry from Barclays Bank Delaware stating that they received my information for a new installment loan or a new bank account inquiry. I havent apply for anything with this company recently and I tried to contact them with the phone numbers provided in my credit report and the phone numbers that I called didnt work.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXX Account XXXX # 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.