davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this item several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website and my personal information and documents but still, you chose to continue reporting this item. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE this item from my file like the other bureaus have done. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (CA)

So Im submitting it again hopefully for the last time. XXXX and TransUnion been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-01-06
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)

XX/XX/2023 XXXX XXXX XXXX # XXXX {$10000.00} fraudulant charges i asked XXXX, XXXX, transunion to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act 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 a account without my written instuctions.
Consumer complaint received 2023-01-06
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)

XX/XX/2023 XXXX XXXX XXXX # XXXX {$10000.00} fraudulant charges i asked XXXX, equifax, XXXX to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act 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 a account without my written instuctions.
Consumer complaint received 2023-01-06
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. (NY)

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 2020-05-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : Case # XXXX Merchant : XXXX XXXX Dispute Amount : {$170.00}
Consumer complaint received 2023-01-06
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-01-06
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2020-05-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I contacted Experian credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Experian alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Experian including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Experian to advise them of the results of my debt validation request. 

I believe that Experian has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX  and need your urgent assistance to survive. Thanks
Consumer complaint received 2023-01-06
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The balance and limit on my XXXX credit card is wrong. I called the credit bureau on XX/XX/2022 and filed a dispute for them to update their records to the latest information. They haven't responded to my dispute or updated my information. Their website still shows my old balance and limit. I tried to follow up on their website but it only shows that the dispute is " in process ''. I explained to the agent that opened the dispute that I needed the information updated expeditiously due to a loan that I'm trying to finalize. This balance and limit has already reflected in XXXX, but not in the other two credit bureaus.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/2014 I purchased a XXXX XXXX, the list price was around XXXX, the loan company Santander insisted on XXXX, something like that. I paid XXXX down at XXXX of XXXX XXXX in XXXX Florida. My monthly payments started at XXXX. I paid XXXX every month to make a payment. I called for assistance when I was late and had a payment or two moved to the end of my 6 year loan. It has been 6 years and I still owe over XXXX dollars by their account. They blame it on me for being late and moving payments. At the time, the assistant on the phone never told me it would cost so much more and set me back so I was just paying more interest. I've contacted them several times and never was informed of this. I was never late on my payments as much as they are saying. I've been scammed from Day 1, set up to default. Now, I will have a large bill at the end of my loan in a few months. I calculate my loan at around XXXX dollars or more. For a truck that was worth XXXX. Santander is a con artist.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-06
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. (NY)

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 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On Tuesday, XX/XX/XXXX, I received an email from the title team who has been attempting to get an accurate payoff amount so that I may sale my house. The email contained a letter from the attorneys for Select Portfolio Servicing which stated the payoff amount as {$160000.00}, almost {$60000.00} more than what Select Portfolio Servicing has indicated in previous payoffs. It appears that the attorneys are not communicating with Select Portfolio and this information has caused me to lose out on a potential buyer for my home ( he cancelled the sell on XX/XX/XXXX due to the constant delays from the attorneys of Select Portfolio Servicing ). I contacted Select Portfolio on XX/XX/XXXX, about this discrepancy and the individual I spoke with stated that he did not understand why the attorneys would send that payoff amount and he would send me a corrected payoff amount within 10 days, however, whatever payoff amount I receive from Select Portfolio will be declined by the attorneys representing them and this makes it difficult for me to sell my home.
Consumer complaint received 2023-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So Im submitting it again hopefully for the last time. XXXX and XXXX been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, BANK OF AMERICA XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (VA)

I unexpectedly received an EIP card with an indeterminate amount of CARES Act funds on it, but the terms of use include predatory fees and a mandatory arbitration agreement. The issuer ( Money Network Card Services/Money Network Financial LLC/Metabank N.A. ) lists a phone number through which a paper check can be requested, but the automated system routes the call straight to card activation, which entails de facto acceptance of the arbitration agreement, and provides no other options. This is a shameless attempt to trick consumers into incurring debts to third-party servicers under the guise of receiving federal aid, and using inadequate customer service to spike justified complaints.
Consumer complaint received 2023-01-06
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX Balance {$1700.00} Opened XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies, YOU, are required to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed accounts and information off my Credit File as soon as possible.