davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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)

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference XXXX : XXXX Liability : {$0.00}
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (TX)

I have used worldremit.com service before and the company sent me email offers for " refer a friend '', whereby both parties receive {$20.00} credit if at least {$100.00} is sent internationally. I have this email ad if needed. My brother was about to send someone via XXXX XXXX for {$50.00}. Because of this ad, I explained it to him and he decided to use worldremit ( with my enrollment code XXXX ) and send {$100.00} solely because of the advertisement promise. We were on a phone call as he proceeded to process this transfer. Upon his attempt to enter a " promotion code '' at the end of the payment, where it asks for a promotion code, he used the exact code provided to me, XXXX. The response was " not a valid code ''. Therefore I proceeded with a 3 way call to their published XXXX number XXXX XXXX XXXX. The recording was ... .IF you have a transaction code enter it. If not ... then go to the website and proceed with communication there. We had no transaction code. So I told my brother to go ahead and I would call immediately AFTER we had a transaction code. AFTER the transaction was placed, I obtained the transaction code from my brother. I immediately called worldremit to obtain the credit they had promised. All they would do is blame my brother and I for " not following correct procedures ''. We attempted all we could do - including calling them during the transaction. Their process does not allow any assistance in the transaction, yet they are unwilling to provide support, or to remedy the situation later. In retrospect, from a consumer point of view, this is a foreign company preying on US citizens, offering {$40.00} rebate ( between 2 parties XXXX on a {$100.00} transmission. Seems they intentionally have a marketing initiative, sending emails to prior customers, and not intending to pay what they promise. After more than 30 minutes down this rabbit hole of trying to make this transaction work, my brother sent the money - and I had SOME confidence I could later make it right. I think this is what worldremit intends and is the marketing strategy they think they can do here in the US to gain more business. I hope your department will stop their practices and make them more accountable.
Consumer complaint received 2022-06-30
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 all 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 an account without my written instruction.

15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-08
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. (TX)

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2020-12-01
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)

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from Experian and XXXX, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas XXXX and Experian just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.
Consumer complaint received 2021-06-10
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. (MS)

Good day my name is XXXX XXXX. I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.
Consumer complaint received 2022-08-20
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)

Comenity bank is the servicer for XXXXXXXX XXXX XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Consumer complaint received 2022-01-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (MS)

In XXXX, I had a credit account with Lane Bryant with which I bought a XXXX in store. The physical card was not sent to my correct address and somehow {$300.00} was charged to it. I closed the account and unfortunately had to pay that money after it went to collections. Debt was resolved in XXXX. I do not remember the name of the collection agency they used at the time. Today, XX/XX/XXXX, I received a called from someone claiming to be XXXX XXXX XXXX and was threatened with legal action in the sum of over {$1000.00} if I did not attempt to settle or make payment plans for my Lane Bryant debt. They had my social security number and address, which was suspicious, as well as demanded that I confirm my social security number. Im afraid they may be trying to steal my identity, so Im filing this formal complaint as a record of my issue. I did call Lane Bryants credit bank, Comenity, and they have no record of me having any account except for the closed one in XXXX, and told me they were not pursuing any legal actions.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (MD)

There is a Bankruptcy being report on my report that I have no knowledge of. I have reached out to XXXX XXXX and they do not have a record of a bankruptcy under my name and SSN. I will attach the letter.
Consumer complaint received 2022-05-06
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. (TX)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX and was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have only been at this address XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (DE)

Dear Caine & Weiner, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor. 
Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt. 
Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-01
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. (PA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and SS card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$48.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$140.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$99.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00}
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery and associates is in violation of federal law. Specifically FDCPA section 809b. 
The company has been reporting inaccurate information to the three major credit reporting agencies without complete validation as required by law. 

I've submitted several validation letters to the company requiring them to validate what they say I owe ; The company has been trying to collect on two accounts that I am completely unaware of ; XXXX XXXX  ; and XXXX XXXX XXXX. 

The documentation received from portfolio recovery and associates does not match my identity, including inaccurate name ; inaccurate address ; and can not provide copies of original documentation of which may prove that I am responsible for these two accounts ; In addition I've asked the company to calculate full and complete accounting of what they say I owe which they have not been able to do ; I've asked the company to provide me with documentation that proves that they are able to collect the debt in my residency state of which they have been unable to do ; Because of the information provided above detailing the violations committed on the federal law, The company must cease and desist from contacted me on this matter ever again.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

I ordered XXXX sofa bed from XXXX and they charged me for two My bill should have been $ XXXX and I was charged {$1800.00}. Citi-card does accounting for XXXX and told me payment was {$850.00} which I paid immediately on linento Citi card XXXX continued to charge me for 2-3 months plus late fees. Citi card did not inform me the did not transfer payment to XXXX. I have a " thank you '' card that funds can not be transferred from to another company. They did not inform of this or I would have paid another way which I did immediately. XXXX reported late payment to XXXX who knew I carried perfect credit in XXXX 's. XXXX, Citi card and XXXX are at fault for this error. I jusst got my XXXX bill from XXXX. They credited my payment of {$850.00} but include a late charge of {$200.00}. I called and they kept telling me I was late. I contacted all 3 companies all along To have billing corrected but none realized not to cancel {$1000.00} bogus fee and end late fees. This all started in XXXX when I placed order. I paid as soon as billed so I should not be penalized in any way.
Consumer complaint received 2021-06-10
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: CITIBANK, N.A. (NJ)

Cbna/sears XX/XX/20, XXXX XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on my credit report.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent letters to each 3 main credit reporting bureaus : Transunion : XXXX : XXXX I stated to each credit bureau, that there company violated federal law 15 USC 1681 ( B ) " permissiable purpose '' which stated the bureaus and collection companies must have consent to report personal information to the bureaus. These companies did not have consent and therefore made an error on my consumer credit profile that resulted in hardships during these covid hard times. The bureau made an error with a late payment on my mortgage account, which my mortagage account was in forebearance and is current and up to date, The account XXXX XXXX XXXX must be removed as a late payment or these companies must provide monetary damages to me as a consumer for violated my federal rights and violated federal law and the policies of the CFPB! Remove XXXX XXXX  as late payments mark them as current to rectify the companies error and pay monetary damages to me as a consumer.
Consumer complaint received 2021-06-22
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. (SC)

My personal information was sent out illegally to other agencies and it has affected me a lot. As a military personnel, this has hindered me from purchasing a home, and obtaining other financial obligations. According to the FCRA ( Fair Credit Reporting Act ), Illegally these unverified and unauthorized items MUST be removed immediately. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX  XXXX XXXX 5. XXXX  XXXX XXXX With all the issues that have happened with these illegal items added, that has really placed me in a bad situation. XXXX. I have XXXX & XXXX, and with this happening it has really place me in my head knowing that with this happening its preventing me to accomplish things.