davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
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: DISCOVER BANK (WI)

Four unauthorized transactions I ( and my husband, the other authorized cardholder ) did not make posted to my card on XXXX XX/XX/2021 at approximately XXXX XXXX I was at work at the time and I heard the SMS alert come to my phone that a transaction had been processed on my credit card. 

As I did not recognize the charges, I checked with my husband the next day ( XX/XX/XXXX ) to see if he had done any transactions whatsoever online for either XXXX or XXXX ( the purported sites involved in the transaction ). He did not. That day I called Discover and notified them that the transactions were fraudulent. They said that they could not open a dispute until the charges posted, but I could put a freeze on the card. I did that. I called XXXX, which was the processor these purchases supposedly went through, and there were no transactions at all on my account during this time period. I also checked with my husband and he did not make any purchases through XXXX. I removed the credit card link with Discover on my XXXX to be on the safe side. 

When the transactions posted on Sun XX/XX/2021 I opened a formal dispute and requested that my card number be changed. This was done. The small charge for {XXXX} was credited without a dispute. 

I received notification and documentation from Discover dated XX/XX/2021 that the three charges above {$40.00} were found to be valid upon investigation and that the dispute was being closed. Included in their documentation was a copy of the purported purchase, which were all items that, firstly, I did not recognize and would not purchase, and secondly, did not receive. They were all supposedly delivered to my front porch, but these items were not delivered here and I did not receive any of them. There is no signature documentation nor a photo of the completed delivery. I searched my email for both the tracking number and the order number for the alleged purchases and there was no results. ( Under normal conditions there would be many emails regarding both a purchase and a delivery, usually including a photo of the delivery ). 

I am attaching documentation : 1 ) my XXXX activity, which shows one purchase of {XXXX} on XX/XX/XXXX. This is the only purchase I have made on XXXX this year. 
2 ) my XXXX activity, which does not include any transactions for XXXX past the XX/XX/XXXX date and no transactions for the disputed amounts at all. 
3 ) four responses from Discover regarding the disputes 4 ) screenshot of my only email account showing a search for " XXXX order '', which shows no order past the XX/XX/XXXX order for {$10.00}
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, TransUnion, or XXXX to include the following accounts on my report : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  # XXXX - XXXX XXXX XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX -SXXXX XXXX XXXX XXXX # XXXX The open dates , dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2020-09-25
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 {$660.00}, {$17000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I sent convergent outsourcing a certified letter on XX/XX/2020 which they received on XX/XX/2020 asking for proof of this debt, I have never had XXXX, I have been with XXXX XXXX for as long as I have had a phone and can provide proof, so I know this is not my debt. I would like to see verifiable proof such as a signature, contract, or drivers license so that I can get to the bottom of this problem but they will not respond but yet continues to post this debt on my credit report, I would like to see verifiable proof or for this fraudulent debt removed from my credit report.
Consumer complaint received 2019-06-20
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. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2021-06-10
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. (SC)

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. OnXX/XX/XXXXI notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. On XX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ),XX/XX/XXXX ( Experian ), andXX/XX/XXXX ( XXXX ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX  ). OnXX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( Experian )XX/XX/XXXX and 30 days late ( XXXX  ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( Experian ) and 60 days late ( XXXX  ). XX/XX/XXXXit reflects that I was 60 days late ( Experian ) and paid on time ( XXXX  ). XX/XX/XXXXt reflects that I was late 90 day ( Experian ) and paid on time ( XXXX  ), XX/XX/XXXX it reflects that I was 150 days late ( Experian ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months ofXX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I disputed a item on my credit report with experian and as a result it was removed from my credit report on XX/XX/2020 then on XX/XX/2020 it was put back on my experian credit report i have filed another dispute and they are refusing to remove it
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am sending this complaint today to request your assistance in investigating and resolving alleged identity theft items that have appeared on my credit report by Credit Bureaus. I believe that I have been a victim of identity theft, and I would like these fraudulent items to be thoroughly investigated and, if found to be inaccurate or unverifiable, promptly removed from my credit file. To provide relevant details, I would like to explain the situation and present the necessary information for the investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXXXXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.
Consumer complaint received 2019-10-09
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. (CO)

Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My balance has been paid and closed at FCO. This has been removed from XXXX and XXXX although XXXX is not willing to remove account that has been closed and PAID.  They simply want to be stubborn and refuse to have it removed. A representative from XXXX  has expressed that someone from FCO stated " do not remove '' from XXXX. Why not? This account has been PAID and CLOSED. Why is XXXX  the only credit bureau that does this?
Consumer complaint received 2021-10-15
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-05-01
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX, ASSIGNED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX, ASSIGNED ON XX/XX/XXXXI have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my Equifax and XXXX credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX XXXX Account # 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 2023-07-31
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. (KS)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Consumer complaint received 2021-06-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-06-20
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. (GA)

Equifax and XXXX are reporting 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX, XXXX and XXXX of 2022 I fell behind on my car payment due to financial instability. since XXXX of 2022 I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my first endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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
Consumer complaint received 2019-06-20
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. (GA)

I obtained my Experian and XXXX credit report on line. There was an U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

I have asked both reporting agencies to provided me with detail or letter confirming i am the one who filed Bankrupt and with my signature i have not been given this information as of yet. However they continue to advise that such has been " VERIFIED '' My inquiry to the U. S. Bankruptcy Courts confirmed Experian AND XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX