davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer FinanceXXXXXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-03
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. (FL)

Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection.

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.
Consumer complaint received 2022-07-03
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. (NC)

In accordance with the 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 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (FL)

I have been unable to get a replacement debit MasterCard from the GoProgram customer service at XXXX or online at www.GoProgram.com. Their customer service is completely unreachable. Online it says my card number is not valid and says to call the phone number above. ( My card has expired and that is why I need a new one ). The phone prompts take me in a path that says my information is not valid and hangs up on me, or it says to go back online and use their website. There is no way to get to a human and ask a question or get my problem resolved. Their information says their support line is open 24/7. I  have called that number at all times of the day and night for the last 3 weeks ( at least 15 times ) and have not been able to reach anyone. The authorization to have this card is from my employer, XXXX XXXX XXXX. It is a " XXXX  XXXX  '' " Way2Go '' Debit MasterCard. 

I have contacted the payroll department at my employer and they said I have to go through the Way2GO GoProgram customer service to get a new card and/or fix the problem with my existing card. Three times my payroll department has attempted a phone transfer for me to the GoProgram customer service, but the results are the same and no contact or resolution possibility is available ... and the line goes dead or hangs up. 

This is a complete failure by this company to provided provide service. I even called MasterCard and they said they just make the cards for the GoProgram Way2Go XXXX  XXXX  and could not offer any advice other than to try the same phone number I have been dialing for weeks. 

All I want to do is order a new card that works ... but there is no way to do that within their current system. 
Please assist.
Consumer complaint received 2022-07-03
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. (FL)

On XX/XX/XXXX XXXX file dispute with each credit report agency Experian, XXXX and XXXX. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions.

The dispute was completed and the only thing Experian did was update the information after I requested it to be deleted from my report.

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on XXXX but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each Experian, XXXX and XXXX to send me an updated report of my credit after the investigation has been complete.
Consumer complaint received 2022-07-03
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. (FL)

On XX/XX/XXXX XXXX file dispute with each credit report agency XXXX, Equixfax and XXXX. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions. 

The dispute was completed and the only thing XXXX did was update the information after I requested it to be deleted from my report. 

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on XXXX but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each XXXX, Equixfax and XXXX to send me an updated report of my credit after the investigation has been complete.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act these Accounts listed below, 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 XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : .The following address is does not belong to me I have never stayed at the addresses listed below please delete them XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX I have attached my ID and utility bill to verify my current address CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX Also upon looking at my credit report I have noticed accounts that are not mines please delete them 1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The above accounts are not me and the are hindering me from obtaining new credit please remove within 30 days thank you
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was able to open a claim on XX/XX/2022 for amount of {$20000.00} with Bank of America prepaid claims, I was asked to filed a police report also to write a letter 3weeks after it was filled, which I find hard to understand why I wasn't told to do so beginning wen claim was taken. 
Unfortunately claim was denied I was told I will get. Letter in the mail explaining reason why. Than I can write back explaining the reason I don't agree. 
Is taken long time to solve this problem am a victim of identity froud my information was obtain n use without my consent, they were able to obtain a debit card aand withdraw money from bank of America Unfortunately neither bank or XXXX department ha d a 2step verification at all in the beginning because I didn't receive nothing which I had to verify that I was one requesting change of address until late later I was asked to verify .but It was late few payments were collected. XXXX kept sending payments without verification of any kind.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (PA)

While I was at work on XX/XX/22 there was two charges made to my account at XXXX in XXXX Pa store number XXXX each charge was for the amount of {$170.00}. 
{$350.00} total, first charge was at XXXX XXXX Second charge was at XXXX XXXX. 
Theses charges where not done by myself and my cards were in my procession at the time of the charges. I notified my bank that the two charges were not done by me I put in a dispute they are investigating they said it could take up to 90 days too I am fully immersed I also notified the XXXX store they gave me the corporate number to call and report the situation they gave me a ticket number XXXX and told me to call my local police and make a police report witch I did
Consumer complaint received 2022-07-03
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. (NC)

In accordance with the Fair Credit Reporting act these Accounts listed below, 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 XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : .The following address is does not belong to me I have never stayed at the addresses listed below please delete them XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX OH XXXX I have attached my ID and utility bill to verify my current address CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX Also upon looking at my credit report I have noticed accounts that are not mines please delete them 1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
12. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The above accounts are not me and the are hindering me from obtaining new credit please remove within 30 days thank you
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 XXXX These inquiries were reported on my credit on these dates. I have no knowledge of these. I have filed complaints with both Transunion and XXXX, nothing has come of it yet. I have also filed complaints with IndentityTheft.gov. I would like these to be removed as there were not me. thank you.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (NV)

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. 

The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). 

I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

This ePromissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. 

I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. 

NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. 

This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. 

I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I wanted my XXXX  n experian updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me