davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (CT)

EQUIFAX is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), 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. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EQUIFAX WILLINGLY REPORTING THEM IN DIRECT VIOLATION! XXXX has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EQUIFAX conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EQUIFAX UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute a claim/account that is falsely listed on my credit report with your bureau. The accounts owed should not be outstanding for the following items : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing these claims due to : I have never opened this account with this company and I have no knowledge of this account or company. It was fraudulently opened using my identity and I am demanding that it be fraudulently opened account be removed from my credit report immediately! 

This is my official demand to have the aforementioned item to be deleted off my credit report expeditiously. 

I am demanding that the fraudulently opened accounts and inquiries be removed from my credit report immediately! This is my FINAL DEMAND before I escalate this to a legal matter! 

Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: OneMain Finance Corporation (VA)

On XX/XX/2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XX/XX/2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, two telephone numbers ( XXXX and XXXX ) and, an erroneous last four digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from ONEMAIN, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are three soft inquiries from : - XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.
Consumer complaint received 2024-02-22
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. (GA)

I received notification from the IRS saying that someone filed taxes in my name last year. This was also done for the year of 2016. I have alerted the credit bureau but they continue to report incorrect information. They have a bankruptcy listed as well as an XXXX account that showing lates and an XXXX account, XXXX which was closed many years ago and the other reporting 30 days late on an XXXX balance. I have disputed these items without success. I have documentation of the fraud, the letter from the bankruptcy court denying supplying any such information to the credit bureau. They are also showing incorrect personal information which I have disputed without success.
Consumer complaint received 2023-05-12
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. (GA)

i have inquiries that wasn't authorized i have notified credit bureaus, but they won't remove. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX my identity was compromised. i filed a police report. 



XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-12-25
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: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX, I'm a veteran any rights have been violated according to THE FCRA guidelines and I will be obtaining a consumer rights attorney if this is not rectified. This company doesn't have a legal right to report this debt on my credit report it was purchased by another debt buyer. They keep attempting to change the DOLA and re-age the debt on my credit report my next step is a lawsuit if this isn't removed off my record in 30 days. I already gave my attorney the documentation ; my purpose of filing through the CFPB is to create an additional paper trail.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a complaint against Capital One almost a year ago. complaint number XXXX. They responded by claiming they would remove the cited negative information from my credit report. 

They have not. 

I have lost employment opportunities, a lease for a new residence was declined due to my low credit score and I have lost more than {$10000.00} in credit that I previously had access to because Capital One ruined by credit with false information. 

Now some form of penalty MUST BE ASSESSED against these liars. 

The details for this complaint were originally provided for complaint number XXXX. The only new relevant facts that matter are that my credit report still shows a negative remark for non-payment, and past due amount, when in fact no payment was due.
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

They call my ex husband and left a voicemail. They called me and left the same voicemail. Have proof of both. 
I returned there call asked was there intent of? He claimed they had been trying to get ahead of me since 2020 ( I believe ) he read off some personal information and asked me if that was correct. Told me I owed his client for a Ashley credit card. Proceeded to tell him I never had an Ashley credit card. He said so you never went into Ashley signed up for an Ashley credit card showed your drivers license in the store and youre going to tell me on a recorded line. This is not your debtband I said no Ive never had an Ashley credit card and I said you can do that online. Ive tried to dispute this I said it is not my debt. I do not owe Ashley anything Ashley is by synchrony bank. I do not have anything on my credit Pertaining to an Ashley credit card by synchrony bank.. I told him if he was going to sue me then he needed to serve me. He proceeded to tell me it was not because he was going to sue me. It was because I havent got a hold of his client since 2020 I believe. I will post a copy of the voicemail. They left to me and my ex-husband where it clearly states they said they were gon na come to my door and I needed to show I didnt identification because I had to sign for something.. I feel like I was threatened..
Consumer complaint received 2023-01-14
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. (LA)

In accordance with the Fair Credit Reporting act 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. I have asked for the information to be deleted and not just and investigation with these accounts. Still violating my rights and must be removed. They continue to not even read this complaint, its not investigation, its violation of my rights.
Consumer complaint received 2023-01-14
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: JPMORGAN CHASE & CO. (FL)

I filed a dispute with Chase Sapphire credit card about XXXX XXXX for {$1500.00} on XXXX XXXX, 2022. XXXX was hired to pressure wash, re sand and seal my pool deck. Product washed away after first rain. He agreed to return but after several weeks and calls never did. I had called Chase on a separate issue and the customer service rep asked if I'd like an update on my dispute. She read a detailed letter to XXXX in my favor. After returning from vacation Chase sent me a letter in favor of XXXX. Spoke to supervisor at Chase, XXXX, and was told I could request another review. After researching my case she said there is " no footprint '' of that conversation and I was out of time to dispute further. I have had this credit card 27 years. Never have I filed an erroneous dispute
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All three credit companies, TransUnion, XXXX, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by PROFESSIONAL DEBT, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

EVERY time I make a payment to this company I do not receive credit for at least a week. I want to know why this is the case. I also want the company 's answer to be posted HERE. I do not want to have to go a website of THEIR choosing. 

I have continuous problems with this wretched company. And I want the problems to STOP. I fulfill ALL the requirements and I EXPECT them to as well.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to the USC 1681 s-2 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.

( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (TN)

Experian is using incorrect/imprecise language on my credit report which is causing XXXX to XXXX me credit. Experian says I have " insufficient credit experience, ' which is not true. What they are trying, but failing to say is that I have insufficient RECENT credit history. By saying insufficient credit experience, it could mean that I was a XXXX XXXX XXXX with no credit experience at all. However, I am a XXXX XXXX XXXX with over XXXX years of excellent credit experience ; just not within the last XXXX  years. I explained that I was retired from my job with the Federal government XXXX  years ago and I PAID OFF ALL MY DEBTS at that time, which to my generation was the responsible thing we were taught to do. Instead, because experian refuses to use accurate language, XXXX keeps referencing 'insufficient credit experience ' as the reason they are denying me credit - which is untrue. Whoever at experian crafted the language should be required to go back to college, because they do not understand correct usage of the English language. They would fail the test if they tried to say insufficient credit experience meant the same thing as insufficient recent credit history. Everyone knows that and Experian needs to accurately reflect my long history of positive credit experience when issuing my credit report. If they are going to be the clearinghouse of information, they have a responsibility and obligation to be accurate in their reporting.
Consumer complaint received 2023-05-12
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-14
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. (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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.It also states that a consumer reporting agency can not furnish an 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 with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!
Consumer complaint received 2023-01-14
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. (NJ)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute with Experian regarding an debt collection on my credit report. The debt is not mine. I formally requested that Experian provide 1.the original contract, 2.the original creditors name, address & telephone number, 4.proof the collection agency is authorized to collect a debt. 

On XX/XX/XXXX Experian responded with none of the above but indicated they confirmed the debt with the collection agency : how? With what documents? Again, the item is inaccurate & incomplete. I am requesting that the item be deleted.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with 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  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (AZ)

Crypto.com Sold all assets able to to a XXXX wallet with intention to terminate account. 
Has minimum transfer amount of {XXXX  which my balance falls under. 
Attempted to terminate account via company help desk. Refused repeatedly as balance is under 100 transfer limit. They want me to put money in just to take out.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX is reporting a account that is not mines i have sent multiple letters, ftc, police reports, the company is responding that the account is " Verified ad Accurate '' but have not sent any documents that the account is mines.