davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (AL)

I did not consent to these inquires.I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money. All is being investigated by the FTC
Consumer complaint received 2020-05-27
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. (TX)

XXXX Checked my credit report - There was a comenity bank credit card listed which I never applied for and I was never notified the account was opened in my name. 
XXXX Wrote letter to comenity bank notifying them that I never opened a credit card with them and informed them it was fraud. In this letter I provided my address. 
XXXX Filed police report listing identity theft XXXX Sent Comenity bank another letter and provided the police report number. 
XXXX Went to IdentityTheft.gov and submitted report with FTC - reference number XXXX XXXX Sent letters to the three credit report companies letting them know about the fradulent comenity account. I included copies of the police report and the FTC report and the intial letter I sent Comenity. 
XXXX Received letter from XXXX stating that they completed their research and they Deleted the Comenity BAnk/Atylrlmc account from my credit file XXXX Received letter from XXXX stating that they added the Comenity bank account back to my credit report As of XXXX I have never received a letter from Comenity, I have never received a bill from Comenity. I have received nothing in writing from Comenity yet this account still remains on my credit report under XXXX. I do not have a Comenity bank credit card and Comenity bank does not respond to my letters.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-11
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: OPORTUN FINANCIAL CORPORATION (OH)

Oportun/XXXX  is not helping me. A credit card was fraudulently opened in my name and I now discovered my step fathers phone number was used. Opportun has not called me like they keep saying they will. They havent emailed me. I havent received their Identity theft/fraud packet in the mail like they told me so I can mail my police report and my step dads since we both had our identity exposed ( my name, his phone number ). Oportun said no one called from my step dads number to say the account was fraud. Well thats because we didnt open the account and had no idea it existed. We never received any calls from opportun or mail from them. I found out about the account in XXXX by viewing my credit report and I reached out immediately about identity theft.
Consumer complaint received 2020-05-27
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. (TN)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (CT)

I received a XXXX payment request for {$540.00} for XXXX  on XX/XX/2023 This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, I should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX  app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and zelle. 
ultimately they asked me to add the recipent " XXXX XXXX '' to zelle and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on zelle and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call Zelle. 
I called Zelle and they said the only thing they can do is to alert the recipient 's bank of the scam. 
I'd like to file a complaints against both XXXX  and Zelle for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. 
scammers make millions off of the third party payers like zelle and XXXX because they offer no protection to clients. They have an obligation to protect clients
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : Bank of America, has violated my rights. 

Bank of America stole my identity and sold/shared without my consent to XXXX XXXX XXXX XXXX XXXX This is a crime and I deserve protection. Identity theft is a crime punishable by federal laws.

1

5 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 2023-01-11
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 sent in disputes along with the police report and EXPERIAN, XXXX, & XXXX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.
Consumer complaint received 2023-01-12
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. (CA)

It appears that /my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-11
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. (PA)

On XX/XX/XXXX I sent Experian a letter disputing XXXX fraudulent items on my credit report. Records show that they received this letter through certified mail on XX/XX/XXXX. Experian then started an investigation for these items, but as we stand today, XX/XX/XXXX of the year 2023, all of these fraudulent items are STILL on my consumer report. 

They claim to have verified the information and have kept this fraud on my report, causing me considerable harm. Because my credit report shows these items, I have been denied necessary funding for my brother 's education, which I pay for. I was not able to get any student loans for his school year. I have not been able to do much of anything financially because of all of this fraud on my report. This has been seriously detrimental to my life, including causing me health complications. Experian refuses to remove these items and literally claim that I have no authority over my consumer report, which is incorrect per 15 USC 1681b ( a ) ( 2 ).

Per federal law, written by U.S. Congress, the word Verification is defined as : A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called an affidavit of verification. 

I have asked Experian for this and they refuse to provide it. They claim that they have their own verification methods, which is against the FCRA. I need all of the items in my aforementioned letter REMOVED and NEVER put back onto my report. 

I am in contact with the debt collectors who claim I owe them money. Claims that I owe money are between me and the debt collector who is making the claim. Experian should not be separately reporting random information when I am telling them that it is incorrect and they are not legally verifying the information. Experian is fraudulently claiming that I owe money to companies that I do not owe money to, and parading to my prospective business partners the fact that my accounts are in bad standing, which is a lie. I have never had an account in bad standing for as long as I have lived. 

Experian has claimed to me on the phone that they did receive this letter and that they have a copy of it. I need Experian to remove everything that I outlined in the letter immediately, or I will be taking legal action.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (FL)

I have continuously written Experian regarding inaccurate information they are reporting in my credit file. I've sent numerous letters regarding the accounts that does not belong in my file. Experian 's response is the accounts are verified however, I am very puzzled on how they were able to verify this information since I've contacted the collection agencies myself and they weren't able to provide proper verifiable documentation. My most recent letter from Experian stated they were no longer going to investigate one of the accounts I've been inquiring about for months. I've asked many times for them to send me documents for such accounts and they've failed to do so however, they will send a report stating the account was " verified ''. With all the identity thefts and frauds happening, I am concerned this may be the situation with my credit file. My requests has always been for Experian to provide verification that I owe these collection agencies or simply remove the inaccurate information from my credit file.
Consumer complaint received 2020-05-28
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: BARCLAYS BANK DELAWARE (NY)

I applied for a frontier barclays credit card and cancelled it a few days later. I never used or received a card. I was charged a $ 80+ annual fee which I disputed, because I had cancelled the card before I received it. I was told by multiple reps to disregard the bill as it would drop off. Then when I was applying for a mortgage it was on my credit history of being delinquent for 90+ days. Barclays sent me a letterhead stating it would take 30 days to resolve on XX/XX/XXXX. This is still showing up on my credit report on XX/XX/XXXX ...
Consumer complaint received 2023-02-23
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. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

In XX/XX/XXXX, I submitted a XXXX XXXXXXXX XXXX XXXX XXXXXXXX  for employment at the XXXX XXXX XXXXXXXX from XXXX to have time credited to my account for loan forgiveness under the time-limited waiver. I submitted an additional documentation of more months of employment XX/XX/XXXX. These forms were transferred transferred to Mohela in XX/XX/XXXX according to XXXX Mohela said that they would catch up with processing this documentation after the XX/XX/XXXX XXXX deadline. It is now XX/XX/XXXX and I have still not received any information. There is no information on the Mohela website that the waiver documents were transferred or are in the process of being reviewed. 

I am very concerned because ( XXXX ) some of the time I submitted XXXX have counted under the waiver, and not outside of it and ( 2 ) President Biden says that payments can restart within 30 days of a resolution to his XXXX loan forgiveness plan. I want to ensure that payments are applied using waiver guidelines. I think I XXXX have met the required number of payments, and I do not want to start payment if that is true.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (SC)

Grain has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. Grain requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX XXXX  and Grain does not supporXXXX XXXX XXXX Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. Grain 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, Grain sent periodic text messages with inconsistent information. I'd receive a text saying the account was XXXX  days past due followed by XXXX  days, followed by XXXX  days, almost due, nothing was ever presented to me with accurate information. Grain not once communicated to me in a timely or accurate manner. Grain never sent anything to me in the mail or make any phone calls to me. Grain is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having Grain update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.