davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (PA)

EXPERIAN, XXXX, & XXXX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.
Consumer complaint received 2023-01-14
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. (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 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ;
Consumer complaint received 2018-03-02
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. (FL)

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN XX/XX/2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX/ XXXX XXXX ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I notice a company called XXXX has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.
Consumer complaint received 2022-12-01
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (MD)

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-24
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: EQUIFAX, INC. (CA)

On XX/XX/18 a XXXX XXXX XXXX XXXX in XXXX ran my credit report without my authorization, I was verbally told that the form I was submitting would not run a hard check on my credit until after I had seen the vehicle and decided to move forward. Looks like they ran it anyway. 

On the credit report it shows : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I applied for a Capital one Venture X card on XX/XX/XXXX and was approved. The annual fee of {$390.00} was charged on XX/XX/XXXX which I paid promptly. The account was closed on XX/XX/XXXX, with no explanation from Capital one Bank. I tried calling and asking for a reason but none was given. Anyway, I am requesting a refund of a paid annual fee of {$390.00} which I believe I am entitled to. 

I am attaching the letter of account closure from Capital one Bank.
Consumer complaint received 2021-12-27
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)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Dear Sir or Madame, Documentation was immediately sent to Capital One and merchant that {$2000.00} XXXX XXXX, 2022 purchase was made by mistake. 

Merchant will not communicate about resolving dispute. 

Capital One just sends me form letters ignoring the mistake and merchant 's refusal to communicate, with no apparent interest in protecting consumer rights. 

Capital One 's dispute personnel in the XXXX refuse to allow discussion with personnel with authority to fairly resolve the dispute, or acknowledge the facts. 

The Capital One dispute resolution process appears to be illusory. 

Thank you
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (FL)

never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached XXXX. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

Dear XXXX XXXX XXXX, I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my XXXX XXXX and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). 

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-15
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. (NH)

In 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 2022-11-11
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-11
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)

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 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc. (CO)

Upon finding in XX/XX/XXXX that I was delinquent on monthly payments due to the increase in Escrow from the previous XX/XX/XXXX, I immediately coordinated with Nationstar Mortgage/dba Mr. Cooper to determine exactly how much was needed to become in " good standing ''. I immediately paid this amount in the first week of XX/XX/XXXX. I continued to follow up with Nationstar Mortgage/dba Mr. Cooper to see when they would change my status from " delinquent '' to now " good standing ''. I was told that they only make changes at the end of the month. However, you could plead with their " researchincoming '' department to see if they would do it sooner. " ResearchIncoming '' is nothing more than an automated response so no action was taking place. I made sure to continue calling and sending messages to Nationstar Mortgage/dba Mr. Cooper pleading with them to ensure they made the necessary changes from " Delinquent '' to now be " Good Standing ''. 

The end of the month ( XX/XX/XXXX ) came and went and now I'm in the middle of XXXX and we just pulled my credit again only to see that my account status has not changed. This is truly affecting my status and ability to sell my house and pay off my bills. I am a single parent and it is imperative that I get this resolved as soon as possible. I am trying to do the right thing but Nationstar Mortgage/dba Mr. Cooper is too big to care about their own constituents/members.
Consumer complaint received 2022-11-11
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX, FL XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; SXXXX Inquired on XX/XX/XXXX ; XXXX Inquired onApr XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-08
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. (FL)

I recently noticed fraud on my credit reports. Ive had fraudulent activity on my personal and business credit reports. I believe its from a stolen laptop and a break-in to my van. Ive already contacted some of the creditors and told them I never applied for their card or their account. Ive also contact the State of Florida to explain the person trying to purchase a home and cars in my business name does not work for me nor have I ever heard of them. I was told by the authorities this is a common practice from thieves to steal identity from older businesses. Please delete these fraudulent names, inquiries, addresses and accounts from my credit reports listed on the attached FTC Report. 

Also XX/XX/2022 I also noticed a new inquiry on my XXXX report for a RV company XXXX XXXX. I have no place, no need or room for a RV. I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. So no need for a fraud alert.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance to the Fair credit reporting act XXXX  account XXXX has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-15
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. (TX)

In accordance to the Fair credit reporting act XXXX account XXXX  has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXXXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account