davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

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 Laending 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 on XX/XX/XXXX and 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.

-ACCOUNTS- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account.

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called the fraud department at Transunion to inform them that there are some inquires on my report that I didn't make. I explained to the rep that I called each creditor and since the inquiry is over 30 days old they can't access the file or give me a letter but the rep insist he couldn't help me and he was a supervisor. I could barely understand him for the strong language barrier and he hung up. Below is a list of credit inquires that I want removed asap from my report since I didn't apply for credit with these companies. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX date XX/XX/XXXX
Consumer complaint received 2022-05-24
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)

I have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE ATTACHED.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-08-22
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. (NV)

XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the ''Date of first delinquency '' and history listed on this account. Per my records this account has been re-aged in some way and should be deleted due to the 7 years now passed in XXXX of this year. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$850.00}. 
I previously disputed this account stating : ''The payments were made outside the child support payments portal and therefore showing as late. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Glacier Bancorp Inc. (MT)

I paid my car loan off in XXXX 2022. My account is reported to the credit reporting agencies on the XXXX of each month. The bank is still reporting this account as owing over {$9000.00} which is incorrect. I have requested that the update their reporting and have heard nothing from them.
Consumer complaint received 2019-11-19
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. (CT)

An account from XXXX XXXX XXXX Opened XX/XX/2019 have just reported on my credit report for a debt collection. I reached out to the agency and I did not get my problem solved. As I stated my report has a fraud alert to show creditors that they should verify my information before giving services. It is evident that services had been made in my name without my permission which is considered fraud/identity theft.
Consumer complaint received 2024-03-13
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. (MS)

m writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a SSA-89 form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX XXXX XXXX {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents,
Consumer complaint received 2023-02-23
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)

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 items XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
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. (CA)

In XXXX, I had a grant overpayment assigned to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX began reporting the item to Experian in XX/XX/XXXX. The consumer reporting laws state that a negative item can only be reported for seven years. In XX/XX/XXXX, I paid the debt in full and my credit report reflects that. However, the month and year that the item went into collections is incorrect. Experian continues to report that the only month the item was in collections, is the month I settled the debt, instead of what is accurate. The account should be reported as a collection account from XX/XX/XXXX through XXXX XXXX, not XXXX XXXX is long past the amount of time the item can legally be reported. Despite my disputing the item for correction at least a couple dozen times, Experian continues to report this. Experian continues to report that this item entered into collections on the same day that I paid it off, which has restarted the seven year time clock on an item that's actually XXXX years old now. XXXX and XXXX were reporting this same item correctly and as a result, the item fell off without my involvement. Experian responded to my most recent complaint filed with CFPB, by lying, stating that the item is no longer on my credit report. I have filed at least two dozen disputes directly with Experian and never have they claimed that the item did not exist on my report. not once. Instead, there is a person on the other end of my laptop, that opens and closes my disputes with five minutes of my submission. Also, I noticed that Experian has done close to 30 soft pulls on my credit report in the last year alone. Please take a deeper look into which employee is mishandling my credit file. If they are unphased by CFPB, I feel I maXXXX need to take this to court.
Consumer complaint received 2022-05-24
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: All State Credit Bureau, Inc. (MI)

The company listed as ALLSTATE CREDIT BUREAU INC has fraudulently did a hard inquiry on my credit report posing under the guise of being a credit reporting agency and they are in fact not. They also list themselves as a lender or bank which they are in fact not. I have reported this with XXXX as this is the only place I have seen don't do a hard inquiry so far however that is because on XXXX I have a temporary freeze on my account and on XXXX I'm going to place one as well. I am unable to freeze my account on XXXX because it charges a fee to do so. This company is out of XXXX XXXX Michigan I have attempted to contact them and nobody ever answers the phone number that they list. Further research online shows that they have done this to other people and it's fraudulent. I have no credit collections I have no outstanding bills and I do not know who this company is.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (MN)

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
Consumer complaint received 2024-03-13
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-14
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. (NY)

Under the Fair Credit Reporting Act, you have violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written consent.
Consumer complaint received 2022-05-24
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. (MA)

I submitted my complaint, police report and identity theft report from the FTC XXXX Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to Equifax and XXXX today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify CPB ( Consumer Protection Bureau ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

Caine & Weiner is mistakenly reporting on my credit. My obligation with the original creditor XXXX was fullfilled. There should be nothing in collections. Please delete. See attached as proof.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

Downloaded Venmo App, loaded 2 credit cards, XXXX XXXX XXXX. I have made NO payments nor has there been any activity on the Venmo account. Venmo sent me an email stating my account was frozen & I was in violation of the user agreement. Called the company & they would not disclose why. Emailed the company & have not received a response. Account is still frozen.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I HAVE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DO NOT OWN. I DEMAND ALL ACCOUNTS BE REMOVED IMMEDIATELY FROM ALL MY CREDIT REPORTS, IT WAS ADDED DURING A CYBER THREAT DATA BREACH.
Consumer complaint received 2022-05-24
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. (MD)

Experian, XXXX and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in XXXX and I've never lived in XXXX or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 's XXXX, Bankruptcy, XXXX XXXX, XXXX inquires XXXX This needs to be resolved.
Consumer complaint received 2019-11-19
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: EQUIFAX, INC. (CT)

This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Consumer complaint received 2022-05-24
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: Opportunity Financial, LLC (IL)

someone took a loan for a car out in my name and never paid on this car its showing unpaid and a reflection of XXXX $ i need this removed i am military and during this time i was gone and deployed this needs to be removed i also taken my own steps but this is still here on my report credit acceptance will not help me
Consumer complaint received 2022-05-24
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. (FL)

This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # xxxxxxxxxxxx XXXX all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section XXXX04 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted a complaint back in XXXX of 2023, regarding a XXXX  XXXX bankruptcy that has been placed on my credit report. The investigation that transunion did, was not complete, and also ineffective, There was no proof provided of who they spoke with to prove this belonged to me. I have disputed this account numerous times, and nothing has been done.
Consumer complaint received 2024-03-14
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. (TX)

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. 

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.