davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To whom it XXXX concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. 

I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : XXXX XXXX XXXX Account Number : XXXX Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.
Consumer complaint received 2020-07-10
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. (IN)

I am being billed for an experian account and I do not have one. You are charging my account {$24.00} each month and last month I canceled but I am still being billed. I tried the free service and canceled it the same day. I can no longer get through and trying to re-cancel I can not get through.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

There is several items on my account that doesnt belong to me and payment history is incorrect../ I have made several attempts to distribute or contact the agency and it has fallen on death ear ... I am at the point that I dont know what to do
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NJ)

I just received an email stating that my credit was changed to my experience credit report so when I logged into my account it say something about a discover or XXXX credit card now look I worked hard to get my credit where its at I know XXXX well I didnt try to open an account now my XXXX XXXX is going to change because somebody wants to be a thief and use my information this needs to stop and stop fast because its people like me that came from the struggle started to make my way up to the top then for somebody to prey on you like this Im tryna buy a house not stay in debt I been in debt majority of my life please help me figure this out please I dont want to go backwards
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NY)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX, andXXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Because of the Equifax hack, I attempted to contact Equifax to inquire about freezing my account. Multiple telephone calls ( at various times of the day ), left me on hold for over 20 minutes or more. On one call I waited over 40 minutes and no one answered my call. I emailed Equifax on XX/XX/XXXX to find out if my account was frozen or how to freeze it. I also inquired ( XX/XX/XXXX ), regarding an error code when I attempted to complete the process to get their credit monitoring started. 
At this point I do not know if the credit monitoring offered by Equifax is active. When I tried to freeze my credit report with XXXX and XXXX I learned I would have to pay a fee. I 'm on social security and do n't have funds to purchase this type of service and do n't agree with the fact that I have to pay for an Equifax issue. 
I guess at this point I 'm at the mercy of Equifax as to how to protect my personal information.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

YOU ARE REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT AND 120 DAYS LATE WHICH IS NOT UNDER THE FCRA COMPLIANCE. THIS IS INACCURATE REPORTING AND IT NEEDS TO BE REMOVED IMMEDIATLEY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION IS DELETED AND REMOVED. XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/XXXX  which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX XXXX XXXX
Consumer complaint received 2021-09-12
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: CITIBANK, N.A. (CA)

I ordered an item on XXXX on XXXX XX/XX/2020. When the item came, it was nothing like the description. It looked very different. I contacted the seller, and they agreed to refund the item if I sent it back to them and took down my negative review. I sent the item back, and provided the proof of USPS certified mail. The item was delivered, however the seller refused to refund the item saying they never got it. I filed a chargeback with Citi on XXXX XX/XX/2020, explaining that the seller had falsely advertised an item, and was still refusing to refund my money even after I cooperated with returning the item.

I provided the proof of shipment to Citi, however they refused to take action, stating that there was nothing they could do unless I could have the seller tell them that they were willing to accept financial responsibility for the item. This was frustrating to me, as I had already shown them conversations with the seller stating they would refund my money if I sent the item back to them along with the proof that I had sent the item back. 

I contacted Citi multiple times in XX/XX/2020, explaining my problem to them and that it was ridiculous that they could only take action against a fraudulent seller if that seller admitted to fraud. Every time they gave me the exact same, word-for-word response that they could not do anything unless the seller told Citi directly that they would take financial responsibility for the item.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

All of a sudden US Bank, without a notice, without a warning and using XXXX  decisions US Bank put my account on hold. 
Only today, when i was checking my Salary deposit  into my account I realized they put a hold on my account. My Salary was not able to be deposited into my account. 
I contacted the phone number saying i should contact but they could not provide me an answer why was my account on hold. 
I was transferred to Fraud Department for further assistance but they too said they do not know why my account was frozen. And i was informed to contact nearest Branch  to clarify the situation. 
I went to the nearest Branch, where I was told my account was on hold and they will delete the account and that they will send me a check with my balance. 
I explained to the Branch  that my salary  was prevented from being installed into my account and that i have loan payments and other financial obligations related to my account but they said they have no solution and refused to provide me with my money in the account. 
Then they explained that i was a joint holder with another account that had an issue that is being resolved as we speak. When asked what is the relevance of the other account holder to my personal account they could not provide a reasonable answer. They explained the other person 's account problem is being resolved and will be clarified but would take a week to clarify. 
I explained to the Branch i had salary to get and it is direct deposit so now it is lost in the cyber space and will take time to re allocated or to be paid and that i have financial obligations coming up but in vain. They said the Branch could do nothing and that it is a stupid blunder at the main office that they could do nothing about it. 
So practically in the USA i am denied access to my money ... ... ... and i thought that happens only in the place i immigrated from, a third world country under XXXX laws. 
I think the Branch decision was carried out by ethnically and racially profiling me. 
If they close the account i lose all my credit history, my credit score will fall down, my financial fees will rise and my plans to buy an apartment or a lot will be jeopardized. 
I am neglecting now my job and my study, i have college exams, and i am emotionally outraged about the situation. My ability to meet my monthly financial obligations is compromised and so my financial reputation will suffer.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion and XXXX are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove late payment.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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Consumer complaint received 2019-11-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (ME)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-10
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. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX SDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF ED/XXXXDispute DEPT OF EDXXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX ED/XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute violations broken FTC reporting same debt over 4 times on same report Fair debt practices
Consumer complaint received 2020-07-10
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. (TX)

show tooltip button 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 DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CHRYSLER CAPDispute violations broken FTC reporting same debt over 4 times on same report Fair debt practices
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account XXXX To Whom It May Concern : This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or you delete it completely with any and all credit bureaus in which you are reporting to. 

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 
I expect a reasonable response with sufficient verification per the law from you within the next 15 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission and all governing bodies to protect and rightfully correct my credit information from inaccurate and erroneous reporting. 


Thank you for your time and attention to this matter. 


XXXX XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filling a complaint because XXXX  has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!
Consumer complaint received 2020-07-10
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 have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX on XX/XX/2021 2. XXXX XXXX XXXX on XX/XX/2021 3. XXXX XXXX on XX/XX/2021 4. XXXX XXXX  on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.