davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I advised to please update my credit report. I have unauthorized and fraudulent addresses and names that are not associated with me. I have unauthorized inquiries on my credit report that I want deleted ASAP. I have unauthorized CHARGE OFF ACCOUT ON MY CREDIT REPORT AND I NEVER DONE BUSINESS WITH THAT COMPANY. I FILED A IDENTITY THEFT REPORT XXXX advised to please remove all inaccurate info from my credit file per 15 U.S.C 1681b exclusion sec accuracy and fairness of credit reporting. Please delete all unauthorized info in regards to my address. 15 U.S.C 1681n civil liability for willful non compliance any actual damages sustained by consumer as result of failure or damages {$1000.00} please remove and provide me with the exact source where you received the information so I can take legal action. Please remove collection account per 15 USC 1681s -2 a reporting info with actual knowledge of errors please send updated credit reports to my home address.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Reporting XXXX XXXX, Equifax and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The Discover Financial Services is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such XXXX  has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

2. Identity Theft XXXX Account Number : XXXX  This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2022-04-23
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. (AL)

In accordance with the Fair Credit Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NY)

I dont understand how this one is past due if I did make a payment agreement with them they told me also my account will become current. they have close my account last year of 2021 without my knowledge they told me they sent a letter never received it When few months before I did a pay of {$400.00}
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I previously asked for a investigation and I never received a respond on my complaimpt I have item on my credit file that were fraudulently obtain in my name I an a retired vet and I'm trying to rebuild my life and reached out to ask for help and obtain legal advice and were advised to make a complaint to get some type of revaluation.
Consumer complaint received 2019-09-12
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: JPMORGAN CHASE & CO. (TX)

There is a credit card from Chase Bank reporting negatively on my credit. It lists me as an authorized user. I never permitted anyone to put me on their credit card. I disputed it with the bureaus and chase but chase continue to report this account on my credit file
Consumer complaint received 2022-06-27
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)

On XX/XX/XXXX Ive received an email from XXXX XXXX saying that a new XXXX loan was added to my XXXX credit report. I also checked my Experian account and its projecting the same credit score. XXXX stayed the same as it was reported around the same time as the other credit bureaus. When I went to go check it out, I saw that my score dropped drastically from XXXX to XXXX. Ive reached out to XXXX XXXX and told them that this information is fraud. I didnt take out a student loan at all. Its been since XXXX that I had a student loan and that was already being paid through the forgiveness program and the IRS already took out what they needed for the remaining amount. Ive been getting my taxes after that ever since. XXXX XXXX sent an update about the XXXX  service that is now reported on my credit by the name US DEPARTMENT OF EDU saying that I now have a loan for over {$7000.00}. This was listed on XXXX XXXX. This information is inaccurate and negatively impacted my credit. I called the number that was given to me with the creditors address and when I called, an automated representative was asking me if I was XXXX  years or older and that they have promotional offers. I knew right then that this was definitely fraud. I reached out to the credit bureau XXXX and they had me reset my password so they can help me see what they see. Once I gave them the info they needed, the representative saw that something was off. They said to reach out to FTC to get a form and give them the two accounts that are showing the only two accounts that Im aware of. Which are the accounts that have been closed a long time ago. To my knowledge, someone is tampering with my social security.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

After reviewing my credit report today XX/XX/21, I noticed CBNA & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/2021 during covid times there was a {$8.00} discrepency that I was not aware of oweing due to the fact that I had XXXX and I didnt know nor did I understand the phone either I thought I didnt owe because I paid another apple card when I received the text alert to pay then when I received another alert to pay on XX/XX/XXXX thats when I ext them and they explained that I had 2 cards. I have asked them over 60 times to please remove due to covid care act and the discrepency and they do not respond. Goldman & Sachs do not return my calls
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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 2022-06-07
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)

I believe XXXX XXXX XXXX XXXX is reporting inaccurately in Equifax. I do not recall having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.
Consumer complaint received 2022-06-07
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. (CA)

I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Transunion. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.
Consumer complaint received 2022-06-07
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. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account XXXX XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.
Consumer complaint received 2022-04-24
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. (VA)

In Accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX and 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 Account with out my written instructions.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

I bought a account for my XXXX on this website called XXXX he is false advertising and taking people money & no one is shutting his website down. I gave him XXXX dollars XX/XX/XXXX I contacted my bank they say theres nothing they can do.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with Fair Credit Reporting act XXXXXXXX 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.

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 an account without my written instructions.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MS SERVICES LLC (CA)

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX UNKNOWN ADDRESS {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
Consumer complaint received 2022-06-07
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. (CA)

I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXXXXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.
Consumer complaint received 2018-12-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify 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.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Credit Account XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (CA)

In accordance with Fair Credit Reporting act 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.

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 an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2022-06-07
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: GOLDMAN SACHS BANK USA (CA)

{$100.00} was charged by a company XXXX on XX/XX/XXXX. I filed a dispute on XX/XX/XXXX as I have to my knowledge never conducted business with a company called XXXX. Goldman Sachs rejected my dispute without sending any follow up information that supports the charges legitimacy.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX account # XXXX & XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX all have violated my rights.

15 U.S.C 1681 Section of 602 A States I have a 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.