davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a Complaint last XX/XX/22 but I found out that my XXXX XXXX  XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the unverifiable account found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX  SOLD THE XXXX XXXX credit card to Comenity bank. Not having an invoice or payment address I sent a payment of {$400.00} in XXXX. I then followed that with a XXXX  {$1400.00} check. The {$400.00} payment was deemed late, and a fee charged. The {$1400.00} check was cashed on XX/XX/XXXX by Comenity Bank at XXXX  XXXX XXXX. It was never posted to my account. Calls were transferred to the next available Agent, but all anyone heard was beep, beep, beep, were sorry but you have reached a number that has been disconnected or is no longer in service. Numerous calls by friends, relatives and associates, /day/week ALL had the same result. 
We used the phone, because we could not log into the site.. ooops, a glitch has occurred. Please try again. Or we are updating our system, all you can do is pay your bill. I already paid my bill, I wanted to find out what happened to my {$1400.00}! I sent a XXXX payment of {$500.00} on the XXXX. ( actually I do not write checks. My bank, XXXX, sends the checks or transfers. ) I managed to login in mid XXXX, and electronically send a copy of the cancelled {$1400.00} check. Then no access for three weeks! I sent a letter with a copy of both the front and back of the check. Nothing! No email, no customer service reply and apparently no action. 

I was so frustrated that on XX/XX/XXXX, I requested XXXX XXXX  to send a {$6000.00} payment. Nothing happened! No site access, no email, no invoice, AND, still no action by Comenity bank! 

I mailed a Certified letter from XXXX, Texas to XXXX XXXX ( XXXX miles ) with printed copies of the cancelled check, it took over 10 days to receive the signed return XXXX  card. And the nothing has happened. 

So, when this all started, the balance was around {$7800.00}. XXXX XXXX has sent Comenity Bank checks in the amounts of : {$400.00}, {$500.00}, {$1400.00} and a {$6000.00}, at my request. A total of {$8300.00}. Today I was able to log in for the 1st time in over 1 mo., to see my XXXX statement. It says I need to send Comenity Bank a payment of {$490.00} by XX/XX/XXXX.!! 

Please help me with this gross financial problem. 

Graciously XXXX
Consumer complaint received 2023-01-03
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 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 Account s labled as Inquiry of i dont not hold CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/XXXX I inquired into leasing an apartment unit at XXXX XXXX XXXX, XXXX XXXX, XXXX Height apartment, owned by XXXX XXXX XXXX, XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I spoke with the apartment XXXX whos First name is XXXX. On XXXX I was contacted by XXXX and asked about making payment. XXXX asked me for my debit card information, and I informed her that I would complete the application and pay online. Prior to submitting the application, I informed XXXX that my credit score was not good, but I had no evictions nor outstanding balances to any apartments. I was assured by XXXX that a poor credit score would not automatically disqualify me and that she can make the decision to rent to me. 
On XX/XX/XXXX I submitted the application and paid {$140.00} fee that consist of {$100.00} deposit, {$40.00} application fee and a {$3.00} process fee I was also required to purchase rental insurance in the amount of {$9.00} from a merchant named XXXX. On XX/XX/XXXX I received an adverse letter ( Exhibit 1 ). The adverse letter stated although XXXX XXXX XXXX, XXXX is solely responsible for their rental decisions, that the decision was based in whole or in part on information contained in my tenant screening report. On XX/XX/XXXX I contacted Chase bank and disputed the charges of {$43.00} and the {$9.00}. I informed Chase claims that XXXX of XXXX Height, XXXX XXXX XXXX, XXXX had given me false information to induce me to apply knowing they would gain at least {$40.00} On or about XX/XX/XXXX I received a check from XXXX XXXX, XXXX in the amount of {$100.00}. On or about XX/XX/XXXX I lost the check. On XX/XX/XXXX I contacted XXXX XXXX apartment and informed the person who answered that the check had been lost and requested a replacement. The employee refused. I called my bank and was told that I was given a credit for the {$100.00}. I looked at my statement and saw that I was credited for the entire {$140.00} even though I do not remember disputing the {$100.00} deposit as I anticipated it would be refunded. On XX/XX/XXXX at approximately XXXX pm I received an alert of overdraft and discovered Chase had reversed the credit. On XX/XX/XXXX I contacted Chase and complained about the reversal. A representative name XXXX and supervisor name XXXX claimed that Chase does not handle fraud by merchants giving false information. Chase further stated that the lost check of the {$100.00} deposit was not claimable since I lost it and that the merchant is not obligated to reissue a check. On XX/XX/XXXX I stopped automatic payments to my Chase credit card and after this ordeal no longer wish to bank with Chase. 
On XX/XX/XXXX I attempted to contact XXXX XXXX XXXX XXXX, XXXX at the number on my statement and the number was out of service. I search the XXXX of XXXX website and found that the location listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX is not occupied by the company.
Consumer complaint received 2022-07-14
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. (TX)

Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It appears that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX988778XXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF ED/XXXX988778XXXXXXXXXXXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; SXXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$280.00} ;
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED XXXX
Consumer complaint received 2019-12-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (SC)

In XXXX the XXXX  XXXX  XXXX in their wise wisdom because I share the same name as multiple members of my family to designate me as XXXX XXXX, of which my credit report now indicate and relate. In XXXX I originated a mortgage with XXXX XXXX XXXX titled in the name XXXX XXXX, respecting the name on my social security card. In XXXX I originated a mortgage with XXXX XXXX XXXX in the name that I respond to XXXX XXXX, and in XX/XX/XXXX in refinanced in the name of XXXX XXXX through XXXX XXXX XXXX, all were VA guaranteed loans. 

In XX/XX/XXXX, I applied for a mortgage, having processed and given documents and a specific document that indicate that in XXXX I was known as XXXX XXXX, with social security number as it is. In XX/XX/XXXX, American Financial Network INC . Upon asking me about mortgages my father, my brother, my son have taken out, I realized that I had been compromised, that another characterization of my name was being used other then the one applied under, and my identity compromised. On XX/XX/XXXX, I received a appraisal listed under the name of XXXX XXXX, of which per the social security administration I haven't used since XXXX, which goes along with the other requests. Additionally they in their efforts to create a denial ask for a bankruptcy from XXXX, which is outside the requirement for justification by the VA, in such its almost six years  old, the VA justification is at two years. 

This company compromised my name, without regards to my application, but based upon their own acts.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im resubmitting a complaint to you today after I found out that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : - ; XXXX XXXXXXXX XXXX : - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX  ) XXXX Balance : {$150.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2022-07-14
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: CL Holdings LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

XXXX XXXX Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX Original creditor I would like to have all of these disputed!