davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (OR)

I submitted a letter to the 3 Credit Bureaus September 06, 2022 to resolve these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-09-30
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. (NC)

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to fixed this suspicious information. I think you have not investigate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. These items was already included in my prior complaint and I included it again : XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (KY)

Equifax has not notified me of my investigation or results. I need them to follow the law and start my dispute from my letters sent to them back dispute.
Consumer complaint received 2020-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}. 
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 Lending 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. 

-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Consumer complaint received 2023-11-30
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. (CT)

XXXX XXXX, XXXX, XXXX and Experian have received documents as required by the fair credit reporting act that state I am a victim of identity theft, they have been sent to them for over 1 year, my credit score fell from XXXX to XXXX because XXXX XXXX, XXXX, XXXX and Experian refuse to adhere to the fair credit act laws, I am unable to find a place to live and now forced to be homeless due to XXXX XXXX  XXXX, XXXX and Experian, I am not qualified to receive any assistance at all over a matter that I was and am a victim of. 

All four corporations named XXXX XXXX, XXXX, XXXX and Experian have violated my civil rights and fair credit law. I'm sending the information in for the 25th time and each time I have documented and saved each report filed, this has been going on for one year, I do not owe XXXX XXXX  any money whatsoever, I did no just jump up and use {$5000.00} in credit, it makes no sense at all. 

XXXX XXXX, XXXX, XXXX and Experian have forced me into homelessness
Consumer complaint received 2020-01-16
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}. 
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 Lending 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. 

-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 5XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Letter XX/XX/XXXX Dispute XXXX says We've issued a permanet credit {$15.00} What date did merchant pay? THIS IS A NEW PURCHASE XX/XX/XXXX Letter XX/XX/XXXX {$25.00} Permanet Credit became a NEW PURCHASE XX/XX/XXXX What date did merchant pay this? XX/XX/XXXX Dispute XXXX {$17.00} What date did merchant credit? What date did USAA credit?
Consumer complaint received 2018-03-05
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: U.S. BANCORP (CA)

I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (TX)

XXXX HAS FAILED TO COMPLY TO OBLIGATIONS OF FURNISHERS UNDER THE FCRA and placed this account under charged off with a balance, and on the week of XXXX XXXX reported the account in collections. 

XXXX continues to furnish information that I have identified as resulting from identity theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2021-12-29
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. (TX)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX On XX/XX/2019 I applied for a business credit card at Bank Of America. 
That day Bank of America did a hard pull on my credit report. I got information from the bank that I can receive a card but I have to open a CD account in the Bank. ( Secure business credit card ). I agreed because I wanted to build a relationship with Bank of America. I received the card a month later. Unfortunately, I don't know why Bank of America did the next hard Inquiry from XX/XX/2019. 
I never agreed to make another Hard pull. And they never got my authorization for that
Consumer complaint received 2023-11-30
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. (NJ)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

On XX/XX/22, I requested a debt validation from the company named in this complaint. As of today, the exceeded my right with F.D.C.P.A to provide validation of the debt. My request was sent via this portal after CSC had taken ownership of said debt. My address is the same as they stated ( see below ) that they checked my credit profile to locate me. As I had never received any documentation prior to the proceeding of these complaints. My credit profile was checked in XXXX and I was not contacted until XXXX while the accounts had already been placed on my credit profile. Please see previous correspondence attached to complaint number XXXX and XXXX.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I have attempted 3 times to close my savings account with CitiBank and they will not close it. Their reps and supervisors keep assuring me they are closing it but it never gets done and they keep saying theres no confirmation to provide me that its closed. The 2nd rep even deactivated my account online to make it seem like it was closed and it never was. I am now being charged a monthly service fee. I do not know what to do anymore because they are going against my wishes of closing my savings account. Their reps are incompetent and liars. DO NOT ever bank with Citi. This is the worst company. 

Call log to Citi : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

On XX/XX/2023 a Credit Card with XXXX XXXX XXXX XXXX inquiry was made against my social security number which was NOT me. I have placed a call to both XXXX XXXX as well as Equifax regarding this matter. Be advised that same day another inquiry was made against my social security card through XXXX XXXX  XXXX. I would like the inquiry with XXXX XXXX to be removed from my credit. Upon speaking with both XXXX XXXX and Equifax they advised me to contact the CFPB.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NV)

credit furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.
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: Experian Information Solutions Inc. (FL)

These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (CA)

There are 3 accounts on my credit report that do not belong to me. The accounts were opened in XXXX & XXXX for the amounts of {$11000.00}, {$1900.00} & {$80.00}. None of these accounts belong to me and I did not give anyone permission to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

THIS IS THE THIRD COMPLAINT AGAINST AMERICAN EXPRESS FOR CALLING ME CONTINUALLY ABOUT A DEBT I DO NOT OWE. THE NUMBER THAT CALLS ME IS ( XXXX ) XXXX. AFTER I RECEIVED CONFIRMATION THAT THE CALLS WOULD STOP FROM THE COMPANY, I RECEIVED YET ANOTHER CALL TODAY XX/XX/2021. THEY KEEP ASKING FOR XXXX. I AM NOT XXXX. I DO NOT DO BUSINESS WITH AMERICAN EXPRESS AND I NEVER HAVE AND NEVER WILL. THEY THREATEN LEGAL ACTION AGAINST ME AFTER I CLEARLY STATE THAT I AM NOT XXXX AND OWE THEM NOTHING. I WANT THIS NONSENSE TO CEASE AND DESIST.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a legal first and last name change. I sent in required information to Capital One to update records. I was told it would 7 business days to complete the change. After day 7 the change was not updated. I sent in a copy of my ID social security card as well as court documents to reflect the name change. I have talked to several representatives and my name on the account had not been updated.
Consumer complaint received 2021-06-29
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. (GA)

I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 U.S.C. 1681. 

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 rights 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.

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 antendates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.