davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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)

XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION.
Consumer complaint received 2022-03-02
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
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. (FL)

I have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX XXXX in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14
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. (FL)

I have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX county in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXXXXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$250.00} XXXX XXXX {$23000.00}
Consumer complaint received 2022-02-14
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)

I have contacted these companies for over 2 years asking can these fraudulent accounts be removed. My rights as a consumer are being violated. I have sent in several documents notifying these companies and the major credit bureaus. I have filed a police report with XXXX XXXX in Florida. I have also filed a federal commission trade report for identity theft. I have token the proper procedures to lock and freeze my accounts. The current files still remain on my credit files. These files are not mines and I have never had knowledge of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-23
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. (NY)

There is an account listed as in collections and past due by XXXX XXXX XXXX for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.
Consumer complaint received 2022-07-14
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. (CA)

My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus XXXX, XXXX, and TransUnion on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus XXXX more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-07-14
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: Bread Financial Holdings, Inc. (NY)

In XXXX XXXX I received a credit statement from XXXX XXXX Comenity requesting payment for a debt of XXXX with interest from an account opened in XXXX XXXX without my knowledge or consent. I believe I'm a victim of identity theft. 

I contacted the company to dispute this debt but was told by a representative that the company could not discuss the debt with me unless I provided my social security number or account number. I do not have the full account number and felt uncomfortable giving out my social security number. I then contacted the creditor in writing to dispute the charge and requested a copy of the credit application but never heard back from the credit card company. However, I continue to receive billing statements in the mail. In addition, I immediately disputed the debt with the three credit bureau : XXXX, XXXX, XXXX. The debt was disputed online in XXXX XXXX and I added a statement to my credit report. However, the debt is still posted to my credit report as past due balances.

I filed a second complaint again In XXXX XXXX because I saw a note on my dispute ticket that the investigation was complete, but no written statement of the results. I redisputed the debt again in XXXX XXXX, only to see a statement that reads, " This item was updated from our processing of your dispute in XXXX XXXX ''. This debt was not validated within the 30 as per Federal guidelines. I did not receive a written letter explaining the result of my claim. 

I write with the intent to have this fraudulent debt deleted permanently from my credit report.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX, XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX : {$6800.00}
Consumer complaint received 2022-02-14
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-21
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. (MO)

In accordance with the Fair Credit Reporting Act 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 account without my written instructions.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Dear BJs, I sent the full payment amount overnight to payoff my account on XX/XX/XXXX. I tried to pay at a local BJs location but they wouldn't accept a payment. I followed the instructions on the statement and sent the payoff to the XXXX, TX location. The XXXX attempted to deliver XX/XX/XXXX but there was no access to the location. Delivery was completed on XX/XX/XXXX @ XXXX and was signed for by your employee XXXX XXXX XXXX I would like the payment to be deposited ASAP. The check that was issued by the title company, XXXX was in the amount of the balance at the time of issue ; however my credit card was on file with a few vendors and the statement balance was different. I wrote a personal check to payoff the account. Statement balance {$12000.00}, XXXX check {$11000.00}, personal check {$1100.00}. PLEASE DEPOSIT PAYMENT ASAP & remove any and ALL FEES. Sincerely, From : Comenity Bank Sent : Thursday, XX/XX/XXXX, XXXX AM ( ET ) To : You Subject : Re : Payments Message ID : XXXX I'm with Comenity Capital Bank, which handles your XXXX account. 
This card is issued by Comenity Capital Bank pursuant to a license by XXXX XXXX XXXX, and XXXX is a registered trademark of XXXX XXXX XXXX. I'm here to help with your account needs. 

Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. 

Please keep in mind that to protect your rights under the Fair Credit Billing Act, we need you to provide the dispute in writing. 

See the back of your statement for more information. We appreciate your patience. 

If you have any questions, please click the reply button. 
Sincerely, XXXX XXXX XXXX Customer Care Team PROOF OF DELIVERY BELOW : XX/XX/XXXX, XXXX pm Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XXXX item XXXX delivered to the front desk, reception area, or mail room at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX XXXX XXXX XXXX. The item was signed for by XXXX XXXX. 
________________________________________ XX/XX/XXXX, XXXX pm Delivery Attempted - No Access to Delivery Location XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Out for Delivery XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX XXXX XXXX, TX XXXX ________________________________________ XX/XX/XXXX, XXXX am Arrived at XXXX Regional Destination Facility XXXX TX DISTRIBUTION CENTER ________________________________________ XX/XX/XXXX, XXXX pm Arrived at XXXX Regional Origin Facility XXXX FL XXXX XXXX ________________________________________ XX/XX/XXXX, XXXX pm XXXX in possession of item XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I completed this XXXX and outdated verification portion when I opened my account and have had no issues since then up until yesterday at my mechanic. I attempted to pay for services and the transaction declined. Now Citi is telling me to wait 7-10 days AGAIN to verify myself after never changing my phone number. That costs me another {$1000.00} in fees to pick up my car!!!!!!!
Consumer complaint received 2022-06-21
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. (MO)

In accordance with the Fair Credit Reporting Act 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 account without my written instructions.
Consumer complaint received 2022-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXXXXXX, TX Disputed by XXXX. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear Experian XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  WILL NOT PROVIDE A LETTER OF DELETION NO ACCOUNT FOUND XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last XXXX of my XXXX  XXXX XXXX XXXX Disputed by Consumer. XXXX days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired XXXX Comment '' : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. XXXX. On Report number XXXX
Consumer complaint received 2022-06-08
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. (TN)

On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with IFRS, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised XXXX of this matter on XX/XX/22. Because TN child support could not provide the information, XXXX MUST remove TN child support from my credit report. Thanks.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-14
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. (NY)

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, Experian, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the XXXX bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing