davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account 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/block any accounts 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 account/item which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00} 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 2024-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

XXXX XXXX XXXX, sent me to collections without informing me of medical bill was owed. 

XXXX occurred on XX/XX/XXXX a co-pay was paid at time of procedure. 

I was informed a bill was sent on XX/XX/XXXX but not received for {$110.00}.

Credence Resource Mgmt, collections agency called XX/XX/XXXX informing me of the bill. 

They never called or email prior to sending to collections. 
They obliviously had the phone number because they gave it to Credence Resource Mgmt.

FYI
Consumer complaint received 2023-05-03
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)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the first Complaint I recently submitted requesting the correction of my Credit File by deleting the fraudulent accounts and information off of my Credit File. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the Accounts and informationthat are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2023-06-16
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (MD)

Not only is this account not my account and is identity theft in accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-13
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; 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 a account without my written instructions.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AL)

Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. 

Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. The account should be executed and credited without any further delay, enabling me the agent to access the account ending in XXXX and XXXX carry out necessary financial transactions. The Payment statement in the bottom of the coupon states that American Express takes negotiable instruments as a form of payment and my form of payment was mailed in and should be applied to the account. 

Credit Issuance to Principal : To rectify the financial harm caused by American Express non-performance, the PRINCIPAL is entitled to receive credits totaling {$13000.00}. These credits must be promptly applied to the account ending in XXXX and XXXX to restore the balance to its rightful amount and compensate for any losses or damages incurred. 

Credit Limit Increase : In recognition of the inconvenience and financial harm caused by COMPANY NAME 's non-performance, I request a credit limit increase of {$15000.00} on the principal account. This increase in credit limit will provide the principal with greater financial flexibility and the ability to effectively manage their financial obligations. 

Federal Reserve Act Section 29 Fine Collected : The violation of the Federal Reserve Act Section 29 due to American Expresss non-performance of fiduciary duties, I demand that a fine of {>= $1,000,000} be imposed on American Express. This fine serves as a measure of 15 days of notices to American Express to ensure American Express compliance with its fiduciary obligations and to discourage any future negligence, patterns or ignorance of the law.
Consumer complaint received 2023-04-19
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. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over 7 years old XXXX XXXX XXXX To Whom It May Concern, XXXX, XXXX, TRANSUNION Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over 7 years old : XXXX XXXX XXXX, XXXX ( 8 yrs, 8 mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( 13 yrs, 3 mos ) XXXX XXXX XXXX  XXXX. XXXX, XXXX ( 13 yrs, 11 mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over 7 years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over 7 years old. 


Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX  an XXXX XXXX ) Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2022-07-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I have tried several times to have 'Healthcare Collections ' accounts removed from my XXXX report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX daily. Something needs to be done to help us get these scores raised!!!!!
Consumer complaint received 2022-07-29
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. (PA)

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 2023-03-29
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: EQUIFAX, INC. (FL)

I am a victim of identity theft and there are inquiries on my account that I did not authorize. Also, when I purchased an automobile, the dealership ran credit with multi lenders that I did not give permission for nor have I authorized nor attempted to obtain credit from multiple banks, credit card companies, attorneys, cash applications, etc. 
Please note the following inquiries were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have tried several times to have 'Healthcare Collections ' accounts removed from my XXXX report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NJ)

I called and made a payment arrangement, and I made the first payment and I asked for proof of the payment arrangement so I can provide this to the NJ banking and insurance, and I was told they don't give out any documentation stating I'm in a payment arrangement. 
I've emailed and I've called and left request for a call back from the XXXX. No one got back to me, and no one is responding to my emails. 

I have another payment coming up and I feel like this is fraudulent behavior. The banking and insurance representative is stating I must provide proof not just that I made a payment and it's deducted from my account I also called the creditor ( XXXX ) and they stated they should comply with my response and not just take my payment. I did not even ask for a settlement. 

Please see my plead for assistance
Consumer complaint received 2022-07-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

I have tried several times to have 'Healthcare Collections ' accounts removed from my Equifax report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!
Consumer complaint received 2022-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TX)

Recieved Voicemail : XX/XX/XXXX This message is for XXXX XXXX my name is XXXX XXXX which social services I've been instructed to contact you in regards to an active order of location that's being issued and filed against you through your county due to avoided contact they have instructed me to speak with your employer once the paperwork is submitted they will have to make a determination whether or not you're on the premises to avoid any further penalties you may contact the proceeding office XXXX file number a.m. XXXX this is your official legal notification XX/XX/XXXX Called back spoke with XXXX XXXX. Refused address or fax number. advised that this debt was originally from Citi XXXX I advised that this loan was purchased by XXXX XXXX in XXXX and that this was part of a XXXX  XXXX Bankruptcy in XXXX. 
Advised to speak with My Atty : XXXX XXXX. They advised that this was not cleared by Bankruptcy. I said it was on the schedule and was discharged XX/XX/XXXX XXXX
Consumer complaint received 2022-07-29
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. (TX)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g .They were to notify me of this in writing 5 days prior, I was not notified. 

I have reached out to the credit bureaus several times to have these accounts removed from my consumer report and they have failed to do so
Consumer complaint received 2023-06-16
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXXXXXX  XXXX and XXXX filed unauthorized action in court on behalf of the XXXX BANKS and XXXX XXXX agency for fictitious loan that was obtained by fraud, identity theft, data breaches and without my knowledge against my property. 

The loan was granted to a person that is not authorized or has been authorized per injunctions against XXXX XXXX in year XXXX. 

The sent loans and information to XXXX XXXX only and he is reported to be in XXXX, according to reports of " service. '' The company disregarded orders showing my sole ownership of property and issued hundreds of thousands in fraudulent loans without my knowledge. 

The fraudster, is unable to be located and both licensed parties have denied victim any protection, restitution or any compliances of orders that CFPB filed on XX/XX/XXXX. All parties that initiated fraud and misrepresentations have not complied with any orders and remain in contempt for nefarious financial means, after the fact and in accessory after the fact of orders of injunctions from CFPB. 

The companies and their influences and worked together under conspiracy obstruction of justice, ignoring orders ( XXXX ) and racketeering financial crimes operation. 

Both parties have worked together to deny victimizations of financial crimes