davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
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. (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, XXXX, and Experian has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and Experian has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2023-03-15
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XXXX of XXXX ( maybe XXXX? ), I had a balance due of over {$500.00}, on a {$300.00} limit plus late fees AND over limit fees on the late fees. 
I to make 2 lump sum payments to cover the entire balance and mark as paid in full. I asked him several times if it was really truly paid off and over and he assured me it was. I was so relieved and had sacrificed to make it happen.

I didnt get the statement after that I owed XXXX, I was basically XXXX. So this whole debt started as XXXX cents, and they will not budge. Its extortion, really.
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

I sent dispute letters to the collection/debt collector and XXXX, XXXX, and XXXX over 60 days ago and still no response or have yet to verify these accounts. The credit bureaus are reporting false information and are compromising my credibility. I would like these accounts to be removed and deleted immediately please.
Consumer complaint received 2022-07-28
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. (AZ)

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

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

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-28
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. (IN)

I am appalled by the ability of the Credit Bureaus to continue reporting the disputed accounts without proper verification! I have been disputing these accounts on my Credit Report for quite a long time now by submitting dispute letters addressed to XXXX and TransUnion Credit Bureaus and informing them that I was a victim of identity theft. But despite all my efforts attempting to correct my Credit report, the Credit Bureaus have been doing nothing! I have read enough to understand my rights under the FCRA section 605b which is clearly being violated by the XXXX and TransUnion Credit Bureaus. Let me remind the Credit Bureaus of their obligation to comply with the FCRA statute. The following accounts resulted due to identity theft and therefore. I have also been asking for documentation bearing my signature to support the Credit Bureaus claims that the accounts I am disputing were mine but they have failed to deliver. I need the following accounts removed at the earliest possible time : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} XXXX. XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Consumer complaint received 2020-05-24
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. (TX)

On XX/XX/2020, I submitted information to XXXX  and TransUnion about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my report.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I was going through the credit card online spending summary on XXXX XXXX that's when I noticed a series of transaction that I did not execute : 1. XXXX {$210.00} XXXX XX/XX/XXXX ) 2.  XXXX {$440.00} XXXX XX/XX/XXXX ) 3. XXXX {$4.00} ( XX/XX/XXXX ) 4. XXXX XXXX   {$120.00} ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX {$77.00} ( XX/XX/XXXX ) 6. XXXX {$250.00} ( XX/XX/XXXX ) On the same day ( XX/XX/XXXX ) I communicated to the bank and raised a dispute of all the above mentioned charges. I also went to the extent of contacting all the merchants via email and letting them about the transaction and requested them not to proceed with the shipment ; and where the shipment was out of their warehouse I asked them to put a hold on the delivery. To my surprise, all the merchants asked me to work with the bank and they were not exploring the option of holding back the shipment. 

While working with the bank, my credit card issuer, I had to contact them multiple times asking the team to post a temporary credit to reduce the credit card outstanding amount so that I only pay the charges that I recognize. 

Fast forward, it is XXXX and today I checked to see the status of the disputes. I was surprised to see the first disputed charge {$210.00} was closed in favor of the merchant. 

My credit card issuer is Citi bank and as this is an online fraudulent transaction I would expect the issuer to pick up this charge and treat is as fraud loss, not to bill the customer. Ideally, I would expect customers to be notified if there is an odd purchase, for instance, XXXX  is a XXXX website, and going by the transaction history I have not bought goods/services outside of US I would have expected Citi to flag this transaction. Such operational control would have prevented the fraudulent activity in first place.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 rights.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens bank initiated user-requested multiple duplicated XXXX transactions after communicating to a user the system failure of each. Citizens bank is misleading user to believe that the action did not go through and retry is needed. All other banks usually give some sort of notification to a user that the transaction is initiated. In this case, there was no update or notification on account until a few days later. That's when I learned that there is no sufficient ballance because bank tried to post multiple duplicated XXXX transactions 3 days in a row with the first one being successful and all following transactions leading to overdraft + sustained overdraft fees. This fraudulent deceipt misleads user and attempts to collect a variety of repeated fees after bank misleads user into believing that there was a failure on bank 's end to initiate a transaction based on user action.
Consumer complaint received 2020-05-23
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. (GA)

Experian did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I have been waiting almost 3 weeks for my unemployment card that my job filed for me to receive. I have been trying to contact the card company and my local office even online I just need to know if my card is even coming I am contacting you XX/XX/2020 2020
Consumer complaint received 2022-07-28
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. (IN)

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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2020-05-23
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. (TN)

Transunion has, yet again, reported incorrect information on my credit report. This time it's on my XX/XX/2020 credit report ( XXXX ). The account in question, is XXXX XXXX - XXXX. 

The errors on the above referenced account, include : I. reporting the wrong " Payment Received. '' Should show {$230.00}. Currently shows, " XXXX. '' 2. reporting the wrong " High Balance '' date. The high balance showing was in XXXX. The current balance is {$2600.00}. That's a lot less than the original amount of {$14000.00}, which Transunion is showing as the " high balance '' as of XXXX. This is an egregious error, which distorts the true status of my credit worthiness!!
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. Experian displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.
Consumer complaint received 2022-07-28
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. (PA)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-28
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.
Consumer complaint received 2022-07-28
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. (PA)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these suspicious information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : $ {$15000.00}