davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-12-19
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following checking accounts listed on my Chex Systems Consumer ID Report : XXXX are fraudulent checking accounts that are not my checking accounts : XXXX XXXX XXXX, {$900.00} and XXXX XXXX-XXXX, {$1900.00}. I did not open an account with XXXX XXXX or XXXX XXXX XXXX. The fraudulent checking accounts are not my checking accounts. The following credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized : XXXX XXXX, XX/XX/2020 and XXXX XXXX, XX/XX/2020. I am a victim of identity theft and have been a victim of identity theft for over 20 years. Chex Systems has a current police report on file of me being a victim of identity theft.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX  XXXX XXXX Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX****Balance Owed : {$5.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXX Owed : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2022-10-19
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: Early Warning Services, LLC (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Acct # 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 if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I really need help removing old addresses that don't belong to me and it's not even required under the provisions of FCRA. I've contacted each credit bureaus individually and sent them all the documents for over a year now, but they've failed to removed those addresses on the attachments. Please see the attachment for detail. it's my understanding under law, that the agencies are held to a high standard to ensure that the information on the consumer credit is 100 % accurate and things that don't need to belong there, therefore, need to be removed. I'm asking again, and I've attached it here as well, Please delete those addresses. As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate. Please delete and send me an updated report!
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (GA)

Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.
Consumer complaint received 2020-12-18
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. (IL)

On XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Fraudulent information on my consumer report by XXXX   attempted to dispute and was told it was corrected problem became worse. Given several XXXX numbers to call which resulted in the run around with them telling me to call the next number
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2022-04-27
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)

The three bureaus have for years removed this fraudulent account from my report but continuing let this company place this same collection onto my report I dont understand Im positive they can see in there notes they have removed this account numerous times it comes back and always damage my score Im asking that the three bureaus remove XXXX  XXXX from all three reports and never let them place it back! It has been proving not to be mine
Consumer complaint received 2019-04-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (SC)

CD Issued XX/XX/XXXX for 1.35 % annually. CD for XXXX. XXXX percent time XXXX is XXXX interest. The CD matured at XXXX. Short XXXX. I called them XX/XX/XXXX and they have not returned a response. I called today, and got no where. CD is with SunTrust Bank, XXXX. XXXX XXXX XXXX, TN, XXXX. If they short every consumer then they make a lot of extra money. 

I do not have a scanner to I can not upload the documentation.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm a victim of identity theft and there are inaccuracies on my credit report. I have filed an FTC identity theft report because accounts were opened in my name. Equifax is violating my rights by not correcting my consumer report. In accordance with the FCRA, 12 CFR 1022.3 Definitions -Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
- Anything added to your report without your written consent could be considered Identity theft Also in accordance with FCRA is 15 U.S. Code 1681B- Permissible purposes of consumer report - I didn't give Equifax written consent to report the inaccuracies. I have not received any written disclosure to authorize the reporting of these inaccuracies. 
15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NC)

This is about the Consumer Credit Transaction initiated on XX/XX/2020, with the financial institution XXXX executed by way of signing an Agreement ( Document ). As per 15USC 6827 ( 3 ) The term document means any information in any form.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, The institution XXXX furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, & XXXX ). 
According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information : 1. Provided by a consumer to a financial institution 2. Resulting from any transaction with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution Further pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and the institution XXXX has violated the provisions of 15 USC 6802. In case the Company XXXX admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). Under 5 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, the Company XXXX  has not only infringed my right to privacy but also violated multiple Federal Laws.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (KS)

Name of Company : Source Receivables Management Amounts : N/A Dates : last date XX/XX/2022 Actions Taken : For 3 years this company has been calling our cell phone looking for someone by the name of XXXX. Each time they were told that this person was unknown to us. Then 3 months later we receive another call from them, from a different phone number, but the company name was still the same. We have requested that these calls cease, however, after XXXX XXXX years of this I contacted them after they hung up in my face when I requested their address. Again today they called again and I was able to obtain their address after they once again called. This is harassment for one, this person is not known to us for two, and I was a debt collector for 13 years and am aware that once a collection agency is advised to cease communication and that this is a wrong number-that they are to no longer call. I even spoke with XXXX XX/XX/2022 who stated she was a manager and she refused the address. I am tired of these calls and would like to know how to sue them. This has gone on for way to long.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am writing to emphasize the credit bureau 's repeated negligence in addressing accounts resulting from identity theft, posing a significant threat to my financial security. As a victim, I am entitled to the removal of these accounts, backed by FCRA regulations, and your continued inaction is unacceptable. This letter serves as a final warning ; immediate action is required to prevent legal consequences, and my attorney is prepared to ensure accountability for willful noncompliance. XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX. Please remove.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (SD)

Today XX/XX/2020 I received a Brinks Money Prepaid Mastercard at my address but not in my name. I did not request a card. I am worried that it is a scam and do not want to call Brinks because I do not know if it is a legitimate number or some type of physhing scam. I have also received several text messages on my phone over the last 10 days to the name listed on this card which is why I opened the letter even though it was not my name.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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.