davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XX/XX/XXXX< AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN # XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XX/XX/XXXX< HOWEVER I WAS NEVER LATE ON THIS ACCOUNT
Consumer complaint received 2020-08-03
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: 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 {$6100.00}, {$4000.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2020-02-05
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)

USAA answers that ( other credits ) {$2600.00} on my XX/XX/2019 were applied to the balance.. 

Balance. {$1.00}, XXXX, XXXX other credits. - {$2.00}, XXXX - {$1500.00} New purchases. {$860.00} without reversals. 

Balance USAA. - {$710.00} owes me. 

Statement boldly states TOTAL CREDITS FOR THIS PERIOD {$910.00}
Consumer complaint received 2023-06-14
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. (FL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX  with XXXX When XXXX the supervisor called after several calls to the credit consumer dept and other agents around XXXX XXXX  and told her that prior to this phone call. I had talked to the supervisor who asked me to talk to her in reference to three other calls as of XXXX, XXXX and XXXX and that each time I spoke to any of the representatives they had given me the wrong amount to pay towards the credit card as of XXXX onwards. at one point they even canceled my credit card and when I called them they said I had only {$20.00} payment due even though I knew that I had made a payment of {$170.00}. I actually called in XXXX to find out how much I owe them. All of this was a mistake by all the representative involved, including XXXX, XXXX, XXXX, and XXXX, XXXX and XXXX  XXXX  those are three representative I spoke to who were supposed to give me the correct amount of each time, yet they all gave me the wrong amount, and I was paying the wrong amount towards the card. No one took the initiative to give me the correct amount until I finally spoke to XXXX and she never gave me a call back after that in XXXX I again called them and made an entire report yet. No one has returned my calls even though XXXX supposed to be the supervisor XXXX is your phone number that was the number I was given by the consumers credit department, which is XXXX 
I reached out to Expetrian and XXXX. Experian stated the account is accurate and I could dispute it, so I now Im reporting this to you. The main culprit is XXXX XXXX. For not following up with any requests.
Consumer complaint received 2023-06-23
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX  XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2020-02-05
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. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX-XXXX**** Creditor : XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX - Account : XXXX**** Creditor : XXXX- Account : XXXX**** Creditor : XXXX/XXXX- Account : XXXX**** Creditor : XXXX- Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I ask that these unauthorized inquiries Be removed from my credit report by the following bureaus XXXX, XXXX, Experian filed a report via XXXX XXXX XXXX XX/XX/scrub>XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/scrub>XX/XX/2023 ,XX/XX/2023 ,XX/XX/2023 unauthorized inquiries
Consumer complaint received 2022-07-10
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. (CA)

RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history. 

Can you verify the date of first delinquency? 

Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 {$5600.00}, {$1700.00}, {$0.00}. 
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. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-08-21
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: LEXISNEXIS (MD)

I reached out to Lexis Nexis on XX/XX/2017, and requested an full file disclosure report. After I received said report I immediately reached out to Lexis Nexis and dispute inaccurate information of my credit report and request correction and a new full file disclosure report to verify all infomation was corrected within their 50 plus page file.. 

I have contacted Lexis Nexis ten times and requested a copy of the full file disclosure consumer report and to date Lexis Nexis has refsued to the follow the FCRA and provide the consumer with a complete copy of their reports including reports for their subsidaries companies.
Consumer complaint received 2023-06-14
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}
Consumer complaint received 2021-07-21
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: DISCOVER BANK (OH)

Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at XXXX XXXX address XXXX
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2020-08-02
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. (NY)

After reviewing my Credit report I notice that were inaccurate accounts that are reporting incorrectly that are not mine. On XX/XX/2020 I wrote Experian about these accounts that are harming my credit profile. THEY HAVE FAILED TO REPLY BACK TO ME. PLEASE DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-02-05
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. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX - Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I tried to get capitol one to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them in XX/XX/2920 and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2023-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-08-02
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. (VA)

I am writing to dispute the mixed credit report that Equifax has caused by inaccurately reporting my credit information. On XX/XX/2020, I notified Equifax via fax of my name change due to marriage and receipt of my new name was acknowledged by an Equifax agent via telephone. 

On XX/XX/2020, XX/XX/2020,XX/XX/XXXX, XX/XX/2020, XX/XX/2020, I notified Equifax The inaccurate merging of my credit information, such as my name change from XXXX XXXX XXXX to XXXX XXXX XXXX is inaccurate because when myself or a credit lender attempts to request my credit file with your agency, we each receive the same error no data available. 

On XX/XX/2020, I requested an online credit report with XXXX  IXXXX under XXXX XXXX XXXX and my Equifax credit reported no data. 
On XX/XX/2020, I requested an online credit report with XXXX XXXX under XXXX XXXX and my entire Equifax credit reported all of my current file. 

After months of multiple calls and faxes, my Equifax credit report has reported inaccurate information on my credit report for 4 months ( XXXX - XX/XX/2020 ) from my current lender XXXX XXXX XXXX, resulting in inaccurate credit score. 

Enclosed are copies of error messages from XXXX and letters from lenders unable to access my Equifax credit file supporting my position. I have retained an attorney to provide assistance with this on-going matter.
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2016, I called into Chase Mortgage customer service department and did not request that ACH be stopped. I called on this date to change ACH banking info. and upon completion of call everything was setup over the phone. Chase has repeatedly denied the above and I'm seeking counsel on this matter.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.