davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (VA)

To Whom It May Concern, I am writing to report that I am a victim of identity theft. Starting from XX/XX/XXXX to XX/XX/XXXX, all the details will be attached on Identity Theft Victim 's Complaint Form below. I discovered that unauthorized bank accounts, credit cards, and other financial accounts. I also received notification that a new credit card had been opened in my name without my knowledge or consent. 

I immediately contacted my bank, credit card companies, and other financial institutions to report the suspicious activity and to request that my accounts be monitored for further fraudulent transactions. I also filed a report with the Federal Trade Commission ( FTC ) at identitytheft.gov and obtained an Identity Theft Report based on my complaint. 

I have also placed a fraud alert on my credit reports with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and have requested that a credit freeze be placed on my accounts to prevent any new accounts from being opened without my permission. As well as unauthorized accounts deletion which has been denied. 

I have filed a police report with my local police department and provided them with any documentation or evidence that I have related to the identity theft. 

I am monitoring my credit reports closely and checking them regularly for any new accounts or suspicious activity. I am also working with my financial institutions to resolve any issues related to the unauthorized transactions but could not achieve any results. 

Please let me know if you require any further information or documentation from me in order to assist with your investigation of this matter. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-19
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)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2023-03-22
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. (TX)

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 : 1. Account name : XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX, Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX. XXXX, XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX  XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX IN Account ID : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX  Account ID : 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 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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-02
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. (FL)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to inform you that my personal information has been mishandled by your company, resulting in significant harm to me. As you may be aware, this is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n, which allows for actual damages in such cases.

According to the FCRA, any person or entity that willfully or negligently fails to comply with its provisions is liable to the consumer for any actual damages suffered as a result. In my case, the mishandling of my personal information has caused me to suffer financial loss, emotional distress, & reputational harm. 
Your company has engaged in defamatory behavior, I have proof documenting the incorrect information being reported on my consumer reports & file.
Consumer complaint received 2024-10-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MI)

Experian has been requested for the last 4 months to removed XXXX XXXX, as its a fraudulent report requesting to collect inaccurate funds. Experian has refused to do so and disregarded request for a dispute. They have updated file with false against consumer request and when requested to delete file they have sided with business to further hurt score. Within documents you can see the have modified debt to go over limit so credit can not be accessed for car loan, they have report false derogatory marks to hurt score and have refused to validate information and have again sided with business. It is even evident they are falsely reporting information before the day its to be reported. They have a XX/XX/year> negative mark weeks in advance to suppress shore and disallow any credit to be accessed. They have reported false address that needed to be disputed as well as fall credit card limits that out account at 150 % over to again further hurt score. These consumer violations are all well documented and when trusted to fix them they reply with auto messages ignoring request
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( XXXX, XXXX, and Experian ) dropped my credit score by almost ( XXXX ) XXXX points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.
Consumer complaint received 2023-02-06
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. (GA)

This is my XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

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
Consumer complaint received 2023-02-06
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 NC XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-05-19
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. (AZ)

XXXX XXXX  is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. XXXX XXXX wont provide accurate information on contract to validate account. 

4. XXXX wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. TransUnion wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. XXXX XXXXXXXX reporting incorrect date of last activity, XXXX XXXX is Re-Aging account eah month. 

7. Every month XXXX XXXX change the Date of Last Activity. 

8. XXXX  reporting incorrect information. 

9. TransUnion is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.
Consumer complaint received 2023-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

1.I have never had an account with these company Professional Debt Mediation Account number # XXXX, REMOVE from all credit agencies from reporting. 2. *consumer* means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.1 am the " '' consumer " '' mentioned in 15 U.S. code 1692a ( 3 ) You are Professional Debt Mediation the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.1 am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of, which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to to communicate to any person credit information which Is known, or which should be known to be false, including the failure to communicate that a disputed debt Is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocents purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.Whlle pursuing to 16929 ( b ) while the debt collector shall cease collection to the debt. or any I disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who falls to comply with any provision of this subchapter with respect to any person Is liable to Such person In an amount equal to the sum of.- { 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 {$0.00}
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

About two years ago out of the clear blue sky Capital One arbitrarily decided to decrease my credit card limit from XXXX to XXXX, they said that I was not using the larger credit limit. I pay off all of my bills every single month. Since they would not listen to reason I put the card in my safety box and began to use my other card to see if I could get their attention. On XX/XX/XXXX I received a letter from them stating that since I was not using their card they were going to cancel my account due to inactivity on XX/XX/XXXX ; again no notice just an arbitrary corporate decision. If they had simply reached out to discuss I would have used the card on some token repeating bill. What really irritates me is that I have worked hard for over 40 years to establish a solid credit rating which is now XXXX ; when these clowns eliminate my card my credit rating will take an undeserved ding. I have been an account holder with these clowns for over 20 years and the way that they have treated me is reprehensible. Capital One should be censured and fined for abusive business practices. Thank you for your attention to this matter.
Consumer complaint received 2023-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I completed my PSLF form via Studentaid.gov. I selected my employers using the EIN number. One of which is a DC Government agency!! Mohela is questioning the employer even though the form was submitted and is in the federal database. 

Should they be doing that? It makes sense to question employers that are not listed in the database ( e.g. small non-profits, etc. ) but for government agencies ( especially in DC ), seems really crazy. 

It seems that they may be complicating the process further which is unnecessary, especially when the process is already complicated.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.