davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
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. (CA)

I was made aware of three accounts reflecting badly on my credit report today XX/XX/2020 when I went to refinance my car. I didn't know these accounts were on my credit report because they do not belong to me. I have no idea who could have stole my personal information to open these accounts without my permission but I have already filed a police report. I did not allow these companies to run my credit nor do I have any written/verbal contract or relationship with these companies at all. I did not benefit anything from these accounts and I did not contribute to any payments towards any of these accounts.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-07
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  # XXXX, and 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
Consumer complaint received 2023-01-17
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. (GA)

I am submitting this Complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$610.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$870.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$3400.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

XXXX XXXX XXXX Reference # : XXXX - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2022-03-21
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 (FL)

I have been actively trying to communicate with Capital One Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Capital One Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.
Consumer complaint received 2023-01-17
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 appreciate the effort and time you spent removing a porttion of the fraudulent items off of my Credit File but upon further inspection of my Creditr File. I noticed that there are still a bunch of fraudulent accounts and information being reported. Once again, I was a victim of identity theft and that the disputed items are the results of such crime. I have read that under the Fair Credit Reporting Act section 605, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I am submitting this CFPB Complaint to request once again to remove the fraudulent accounts and information off of my Credit File. Please help me remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2000.00}. I would also like to request that you send me copies of proof of verification or proof of ownership ot any documents you found during your investigation suggesting that I own these accounts. If you find no related documents, immediate removal of the disputed accounts will be greatly appreciated.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I made complaint about XXXX credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and XXXX Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX XXXX  has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXX or I am on XXXX XXXX people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I made complaint about XXXX  credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and Equifax Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX  XXXXe has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXXXXXX or I am on Trump Commitee people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...
Consumer complaint received 2023-01-16
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. (WA)

On XX/XX/2022 I received a credit monitoring alert from XXXXXXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX  - Experian XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-12-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-10-06
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. (FL)

I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc. (PA)

XX/XX/2022 is well it all started... 

Not sure of the exact dates but : -someone opened a credit card/ checking account under a name similar to mine. 
-My credit card was hacked ( XXXX ) -XXXX account was hacked -XXXX  was hacked I have things for ( which I don't have a clue what they are ) : 1. XXXX 2. XXXX 3. Experian
Consumer complaint received 2022-03-21
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. (IL)

i just received my credit report and noticed strange occurrences that have been going on with my profile. Someone have been applying for things in my name that i am not responsible for
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (GA)

I received an alert from XXXX about a collection acount. I never received any notification from the collection agency that the account was assigned to them or that it was being reported. XXXX XXXX XXXX never sent me anything to advise that I was being referred to a collection agency. I never received any correspondence from XXXX XXXX XXXX or from the collection agency. I just saw this account listed on my XXXX  credit report without any opportunity to pay the account before it went into collections. The balance is only XXXX from a final bill that I never received and the other XXXX is from equipment that is in my storage unit. My unit that I was living in was sold and I had to suddenly move. I had mail forwarded and there was no correspondence from anyone about this account. I lost my job and couldn't make the final bill payment and spoke with XXXX XXXX XXXX and advised them of this but they never indicated the account was being sent to a collection agency. I have the equipment and advised XXXX XXXX XXXX that I am returning it via XXXX. I spoke with a rep from the collection agency and advised them that I was only going to pay the original creditor and the represetative stated that I had to pay them and that even if I paid, they would not remove the account from my credit.
Consumer complaint received 2020-03-11
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. (CA)

I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (WA)

We closed an acount with Ally Bank on XX/XX/2022. The only way Ally would distribute the funds was by check, via USPS. When the check didn't arrive, we began contacting Ally by online secure messaging. They required a notorized " lost check '' form, which we sent. We requested the funds to be sent with a tracking option, as that had not happened with the original check. Ally sent the check via XXXX We followed the tracking delays, eventually noted as " address error '' and undeliverable, with no delivery date pending. This was nearly 2 months after the account was closed. Each time I called Ally, a different rep told me the same thing : confirmed our address, saying there was nothing they could do. Their only suggestion was for us to contact XXXX XXXX could not tell us what address was on the pkg and they would not release the package unless we could confirm the address! After yet another call to Ally, we finally got a rep who tracked down the address where the check was sent : IT WAS NOT A REAL ADDRESS. My name, but a non-existent address, not in any way similar to our actual address. Once we knew the wrong address, we drove 10 miles to XXXX XXXX to pick up the check, in order to avoid XXXX sending the check back to Ally, which would have required the whole " lost check '' fiasco to begin again. 
Ally Bank closed our account in XXXX, but they still have our funds. We deposited the check at our bank, but it's still " pending ''. So Ally has taken over 2 months to give us our money. 2 months where we had no access to it and we were not earning interest, but Ally had the use of our money. Human or computer errors? Perhaps. But this level of incompetence needs to be called out. If the various departments of Ally are giving customers the run around, whether by carelessness or fraudulent intent, it is unacceptable.
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity fraud and my credit is suffering from it. I have several accounts that I did not open nor ever use or had access too and now my credit is destroyed. Help me get these fraudulent accounts off of my credit report. I have a XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX   all which I believe to be fraud.
Consumer complaint received 2020-03-11
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. (SC)

There are two collections on my credit report that do not belong to me ; I noticed them today XX/XX/2020 when I was denied from getting a personal loan. I wasn't aware of these accounts because I never opened them. I did not allow anyone to open these accounts on my behalf nor do I have any written/verbal contract with these companies. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the CFPB regarding this unauthorized account.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

I had an offer from my credit card company to do a balance transfer to pay other credit card, they send me three check to use it for the transfer with 0 % interest for one year, that was on  XX/XX/2020 company name TD CREDIT CARD I call the company to find ask about the offer, and they told me they can do the transfer for me and told me I have enough to cover the transfer for the amount of {$7200.00} plus a fee the charge, without letting me know or asking me about it they place a hard inquiry on my credit report, and they wasn't supposed to do that because I was already a customer, so I call the company when I did find out about it and the company representative told me that they don't do that because is was a balance transfer I was already a customer and will start an investigation to take care of the mistake, so I call back on XX/XX/2020 and the company told me that they won't removed from my credit report because I agree to that, which I didn't, I ask for a copy of the recording conversation to see if I agree to that and told me they won't give to me, this is unfair because they blocking me for two year if I want to apply to another credit card company that offer balance transfer I want the hard inquire to be removed from my credit report so I can have the choice in the future to pay any debt with 0 % interest from other company which I did before with other credit card company without any problem I didn't requested a new credit card to place a hard inquire on my credit report just a balance transfer this was an unfair business practice from the credit card compay
Consumer complaint received 2020-03-11
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: Southern Auto Finance Co (AZ)

I have sent several request to have XXXX remove an account off my credit report that is identity theft. I have sent letters as well as my identity theft report and XXXX will not remove account. I would like this to be resolved immediately.