davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (GA)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-11-29
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. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-08-31
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XX/XX/23 I SENT LETTER REQUESTING I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


ON XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately XX/XX/23 This account was charged off and I no longer owe money to this creditor but its still showing a balance due. FROM XX/XX/23 TO CURRENT THE CREDITOR FAILED TO UPDATE THE COMMENT SECTION THAT THEY DID AN INVESTIGATION. THE CREDITOR FAILED TO UPDATE THE REQUESTED INFORMATION REGARDING MY DISPUTE, THE BUREU FAILED TO DO A INVESTIGATION.
Consumer complaint received 2018-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi there, I never had an online access to my credit report, and of course I was not able to see any changes as well as new fraudulent accounts on my credit report. After I signed up for XXXX I pulled my report and found out there were continuously fraudulent activities on my report. I went to Police Department and also filed a complaint with Federal Trade Commission. The TransUnion told me that they can not accept the police and ftc report since it does not feet their criteria 's. I need your help to putt legal pressure on TransUnion to make them to obey the low as we all do. I really relay on your help, there is nothing else I can do
Consumer complaint received 2018-11-29
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: Dyck-O'Neal, Inc. (WA)

Had a debt that was 2 years three months old. It was sold to a loan agency. The debt was transfred from credit debt and reported as a loan debt by dyck oneal inc. They reported I did not pay a personal loan for the past 3 months and have impacted my payment history for personal loans. This was not For a personal loan..and was mever a loan of any type. They never contacted me about this change. I called the company on XX/XX/2018 they were not able to give me a answer as how they can do this. Only that they bought the previous company.
Consumer complaint received 2022-12-20
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. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-22
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 XXXX to clear a {$67.00} balance from XXXX and they can not find the account with my drivers license, date of birth or social security number. They stated they would need the FULL account number. 
I contacted Experian to get the account number and they stated they could only provide the last 6 digits of the account and then they updated the account as a current charge off ( XX/XX/XXXX ) and DECREASED my score. 
I contacted Experian again and spoke with a different agent. This person was able to locate the full account number and stated she would correct the charge back to XX/XX/XXXX and remove the XX/XX/XXXX / XX/XX/XXXX that are incorrect. This has NOT been completed ( see screen shot below from my credit report ) I contacted XXXX with the account number given to me from Experian and once again they stated they could not find anything. I do not know how to clear this {$67.00} charge off from XXXX from my credit report. 
Please assist. 
XXXX XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

NCA-XXXX  XXXX have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OH)

Received credit card statement dated XX/XX/22 showing a charge of {$260.00} that I did not recognize. 
I contacted Fidelity Rewards Credit Card on XX/XX/22 about the charge and told them I did charge a sandwich at food truck on that date and cost was {$15.00}. 
The Fidelity representative stated that this was a likely a fraudulent charge and provided a provisional credit of {$260.00} and said they would research. They also canceled card and provided new card number. On XX/XX/22 Fidelity reversed the provisional credit and provided a receipt from a XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX see attached ) showing a 'custom amount ' {$15.00} charge plus another {$250.00} XXXXcustom amount '. I have never been to XXXX XXXX XXXX XXXX and again contested the charge to Fidelity. 
During the week of XX/XX/22, after multiple attempts, I was able to contact the owner of the XXXX XXXX who said he also owned a food truck. I described the problem and he agreed I should not be charged the additional {$250.00}. He requested I contact the credit card company and have them review it again. 
At this point, I again contacted Fidelity, but the dispute department at Fidelity stated that the decision on the matter was final and they refused to further review. 
I have been fraudulently charged {$250.00}. I feel I should be protected by the laws regarding credit card transactions. I have been charged an amount for something I did not purchase and Fidelity is refusing to correct the issue or work with us in an attempt to resolve.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Received notice from collection agency dated XX/XX/21 stating I owed {$1000.00} on XXXX account I had never heard of. I was able to get some details on this debt such as 2 addresses and phone # used on this account. None of this information pertains to me. XX/XX/XXXX notice was first communication I knew of this. I have police fraud report, my personal ID information and details I obtained regarding this debt. I have never used XXXX for any service. I been unable to secure copy of original charge document.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I started an FHA streamline refinance sometime around XXXX of XXXX. Between XX/XX/XXXX and now XX/XX/XXXX I have been scheduled to close 3 differnt times and 2 have been cancelled without notice from the mortgage company because of title or documents not being turned over on time on their end or from attorneys. This third time I received a cancellation now due to unable to verify income. Income documentation was never requested from me and mortgage has always been paid since being a customer with Freedom Mortgage. I called Freedom Mortgage this morning and also spoke to a representative that read some notes that stated it was because I was removing my parents off of the loan, which once again I never told them to remove anyone and months back I made Freedom Mortgage aware of that as well. This was an issue I was told about months back as well. I have emails and proof where I have been dealing with this issue for months. It seems like they have been falling out of compliance as well.
Consumer complaint received 2018-11-29
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. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The  latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NY)

This company Pressler, Felt and warshaw sent me court papers of a judgement made, in a court, I never recieved any prior paper worker to come to any court hearing. Now I just recieved another set of paper work that my check would be garnished. For XXXX a week.
Consumer complaint received 2019-05-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (KY)

XXXX XXXX XXXX calls me every day multiple times a day. When I have answered the phone, it's a recording asking me to call them. I have asked them to quit calling me and told them that I have financial hardship but will pay when I can.
Consumer complaint received 2022-10-12
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: TRUIST FINANCIAL CORPORATION (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2023-06-11
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. (TX)

I believe I have been a victim of fraudulent activity or identity theft, as revealed by a thorough examination of my credit report. In XX/XX/XXXX, I discovered an account opened in my name with an incorrect birthdate of XX/XX/XXXX, while my actual date of birth is XX/XX/XXXX. Considering this discrepancy, I was a minor at the alleged time of account opening, being only XXXX XXXX XXXX. 

Moreover, I need to report another instance of fraud involving a maxed-out XXXX credit card, which was unlawfully opened without my knowledge or consent. Additionally, I have uncovered XXXX attempts to open new lines of credit using my social security number. Some notable examples include the following inquiries : XXXX. XXXX XXXX - XXXX date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I am greatly concerned about the potential consequences these fraudulent activities may have on my personal and financial well-being. I seek assistance in resolving these issues and implementing appropriate measures to safeguard my identity.
Consumer complaint received 2023-06-11
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. (TN)

the following accounts were opened in my name XXXX XXXX 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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 consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX