davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ORG GC GP BUYER, LLC (CA)

I did receive this letter few days ago and nearly paid for the requested amount because my wife got a traffic violation recently. Then I noticed the date and drivers license number which do not match. I did call XX/XX/XXXX to a number written on top of the page, which I found from XXXX County web site. I called from my cell phone at XXXX. I was told that the ticket was issued for someone with birthyear of XX/XX/XXXX. I do have a son born that year, however he has not ever resided in the address with me. I did ask him about it, he can't say for sure if it is for him and he seem to think that he has paid any and all traffic tickets he never received. Makes me worried, did some one steal my ID? If my son did not pay for his ticket, is the skip tracer making costly mistakes? What other information do they have about me? Could they damage my credit? Do they have my sos. sec. number? Should I be worried about my taxes? These are some of the questions I tried to ask on a phone without any success rather than additional questions. I do believe that sending threatening letters to random or wrong people is a violation of the fair debt collection practices act 1977.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally submit a dispute regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received any response from TransUnion. The details of the inaccuracies and the necessary corrections are as follows : The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$100.00} ) was never late. I kindly request that TransUnion correct/update this inaccurate information on my credit report. 


The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$580.00} ) is not mine. I request that TransUnion remove this account from my credit report.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XXXX different letters both dated XX/XX/XXXX which are FDCPA violations.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DC)

I was notified today that my credit score was impacted due to going over the limit with my Commenity Overstock Credit Card and I logged into my statement and saw two charges for {$150.00} and one charge for {$410.00}. That is a total of {$720.00}!!!!! How can this possibly be ethical. I don't care what their justification is. This is literally ruining my life. How can they be so cruel, unfair and deceitful?
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you 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. Please block/remove these ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you 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. Please block/remove these ITEMS. 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
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally register a complaint regarding the fraudulent items on my credit report. I have made several attempts to resolve this matter through your customer service department without success. 
I first noticed these unauthorized charges and since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. Please assist me to remove the following fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (GA)

CITIBANK VIOLATED " FCRA, FDCPA AND FCBA '', TRUTH IN LENDING ACT, BREACH OF CONTRACT, UNFAIR CREDIT REVIEW PRACTICES..COMPANY CLOSED " SEARS '' MASTERCARD ACCOUNT THAT I USED TO SUPPLEMENT DAILY/ MONTHLY LIVING EXPENSE DURING WAITING ON MONTHLY XXXX SSI CHECK TO COVER BILLS, MEDICAL, LIFE INSURANCE AND CHILD EXPENSES ( IM A SINGLE PARENT FATHER OF XXXX OLD DAUGHTER ) ..CLOSURE OF ACCOUNT HAS CAUSED SEVERE FINANCIAL HARDSHIP AND SIGNIFICANTLY DROP MY CREDIT SCORE ... I HAVE BEEN A LOYAL CUSTOMER FOR OVER 10YRS NEVER LATE ON ANY PAYMENTS ... SINCE THIS UNEXPECTED OCCURRENCES I CAN NOT AFFORD TO PAY SEARS ACCOUNT, PERSONAL BILLS AND OTHER OUT OF POCKET EXPENSES ... IM XXXX VET ON FIX SSI INCOME ... NOTE : I WERE THE VICTIM OF FRAUD ON ABOUT XX/XX/2018 AND FRAUD ACCOUNT IN QUESTION WITH OTHER CREDITOR ( XXXX XXXX XXXX XXXX ) ACCOUNT CURRENTLY IN DISPUTE ... .SEARS HAS NOTHING TO DO WITH OTHER CREDITORS ... NOTE : DOCUMENT PROOF AVAILABLE UPON REQUEST.. '' CITY OF XXXX POLICE REPORT, FTC AFFIDAVIT AND COURT AFFIDAVIT FILED VIA MY ATTORNEY
Consumer complaint received 2023-06-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account ( S ) # 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2019-05-15
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: TD BANK US HOLDING COMPANY (NY)

i have someone else names and another social security number on my credit report. All inquires and negative credit belong to the second social security number. My SS # ends in XXXX and there's another ending in XXXX with names i do not recognize. i have never had a Target card, XXXX card, XXXX or XXXX XXXX. I have never made inquires to any credit unions or car loan places. I have not bought tried to buy or want to buy a car or get a car loan. I have disputed this with the credit bureau several times. it looks like most of the fraud happened in 2013. please help.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to delete the following information in my file.The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following unauthorized inquiries on the Transunion account File Number XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual This consumer reporting agency also failed to delete various different names on my consumer report and they shall only have XXXX XXXX listed.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Requested validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if XXXX XXXX XXXX XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Berman & Rabin, P.A. (MO)

Approximate 7 years ago, I did a Cash For Keys deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXX-that I must pay off for them to release the judgment.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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.

Has violated my rights. Or list of inquiries 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 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 2020-05-26
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: U.S. BANCORP (MN)

On XX/XX/2020 I contacted XXXX  dispute department to inform them of fraudulent activity. The results were returned from the company as unchanged. I was reporting that due to domestic violence issues at the time, my partner open an account without my permission. All of this information was conveyed, and yet the information remains. The account is paid in full, but still reporting negatively And it is not mine.