davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

COLLECTIONS US DEPT VETS  XXXX {$0.00} inaccurate 06 XXXX  XXXX {$130.00} inaccurate 09 XXXX XXXX   XXXX {$3900.00} inaccurate 12 XXXX  XXXX XXXX XXXX  XXXX {$460.00} inaccurate XXXX XXXX {$2300.00} inaccurate XXXX   XXXX  XXXX {$12000.00} inaccurate 06 XXXX  XXXX {$0.00} inaccurate
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Consumer reporting agencies EXPERIAN, XXXX & XXXX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. CFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer report.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022 I applied for a credit card with XXXX XXXX and was informed that i was denied a credit card ( with XXXX ) because my credit score was bad- and that i had delinquent payments on credit cards. I knew that this was not the case because i am very diligent of my finances, and have more than enough cash at hand. 

Upon arriving back from my vacation on XX/XX/XXXX, I looked into my credit report with XXXX XXXX ( my bank ) and realized that i was a victim of Identity Fraud with 2 fraudulent activities. 

1. TD BANK credit card opened under my name in XX/XX/2022 XXXX. Line of Credit with XXXX XXXX which i never requested to have. 

I am currently in the process of rectifying all these false charges and contacting the 3 credit agencies to figure out how to rectify these matters. As i have never had to go through identity theft before. Please Help me rectify these false charges and fix my credit score. 

thank you XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX allowed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX XXXX to XXXX  me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXX university fraudulently has been going on for years for non credit courses being billed through TAG PELL grants.

I was unemployed and XXXX XXXXXXXX  took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX  accounts.
Consumer complaint received 2022-01-04
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. (CO)

XX/XX/XXXX I contacted trans union about several issues with my credit report along with telling the about XXXX XXXX not up to date and accurate credit report. I informed them of all the US Department of Education loans that have been paid off since XXXX which is over 10 years that should not be on the report. I informed them of bills paid off along with this rent recovery bill that has been paid in full that other credit companies have fixed and TransUion has not. I believe this is because TransUion is a XXXX company. As XXXX people in America We are learning that Jobs, Tech Jobs, Banks, Housing appraisals and more are unevenly and inappropriately handled when it comes to XXXX peoples credit reports as well. TransUion refuses to keep up to date records of our credit and the accounts for XXXX people in America to keep us from any froms of equality here in America. If the FCPB does not start holding all the credit companies accountable when it comes to XXXX people in XXXX and their credit reports. Studies show that companies do not care about XXXX in XXXX. This is not a Sumption this is fact it has been proven over and over and it is now time for the FCPB to step in and make sure all credit companies in America are keeping accurate and proper documentation when it comes to XXXX and their credit reports.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

On or about XX/XX/XXXX I opened an account with Affirm, Inc for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now Affirm is still reporting a balance and collection or negative account to all three credit agency 's. I have filed three disputes through XXXX and Affirm is knowingly providing false information.
Consumer complaint received 2023-05-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (MI)

Had been being harassed by a fraudulent company called Halstead financial about a payday advance loan via email and text message, I contacted XXXX XXXX and after collecting the necessary information we filed a fraud report and I was informed to report this company after being told that XXXX XXXX does not do business with them. I was contacted today by this phone number XXXX from halstead saying that they are a LLC that works with XXXX XXXX and after telling them what I was told they hung up the phone.
Consumer complaint received 2023-07-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # 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 an account without my written instructions.
Consumer complaint received 2023-02-09
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. (NC)

1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-12-07
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accountswhich is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items.

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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 Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-07
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
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. (GA)

On XX/XX/2023, I read dispute results from XXXX regarding my creditor, XXXX XXXX XXXX  statement balance for XX/XX/2023. A balance has been reported to my credit report at least 2 times inaccurately for the month of XXXX within a 30 day period. The balance on my balance sheet for XX/XX/XXXX is {$340.00}. On XX/XX/2023 the balance was reported correctly. On XX/XX/2023 XXXX XXXX and/or XXXX, Equifax, and XXXX reported a balance of {$1000.00}. Today, XXXX dispute results shows my statement balance for XX/XX/2023 as {$1500.00}. This practice is unlawful, discriminatory, and against the Fair Credit Reporting Act. This action has caused an adverse affect on my credit score and report. Credit bureau systems and/or employees should know to only report credit balances once a month, accurately, and within the statement month 's period ( usually 30 days ).
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Radius Global Solutions LLC (CT)

Radius Global Solutions slammed my credit with the credit bureaus with a utility account that was fraudulently put into my name without my knowledge or permission. This is literally an extortion scam with collections wherein someone is going to blindly pay on account that is not theirs in an attempt to fix credit. This needs to get off my credit and the credit bureaus immediately!! These collections attempts of debt that is not mine needs to stop!! See enclosed identity theft report.
Consumer complaint received 2023-02-09
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. (FL)

My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

When I got my American Express plaitnum card XX/XX/XXXX and the XXXX XXXX XXXX  card on XX/XX/XXXX, they both comes with the benefit of Priority Pass Select which gives me access to lounges and non-lounges that cooperates with Priority Pass. However, I received emails on XX/XX/XXXX that " From XX/XX/XXXX access to non-lounge airport experiences will be removed from your membership program ''. This is a negative change of my membership benefit during my current paid membershio year and American Express refuses to give any compensation or alternative solutions for that.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX I was never late on this payment. They accepted my payment then illegally charged it off. You can't legally write off an account and take my money. 

This account must be removed from my credit report or I will have to report this activity to IRS.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-02
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. (FL)

It appears that my file has been compromised. I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block account that is found to be opened due to identity theft. The dispute account do not belong to me. Please remove this account. 

XXXX XXXXXXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX  XXXX  XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
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. (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, 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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)

I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.