davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at XXXX XXXX XXXX. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX   Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named Portfolio Recovery which the XXXX XXXX accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted Portfolio Recovery as well. XXXX   agent and myself contact XXXX XXXX and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with Portfolio Recovery and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.
Consumer complaint received 2023-02-07
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. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX A XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (LA)

I previously completed paying the balance of a store credit card with forever 21/ Comenity Capital Bank and requested that the account be closed during the month of XXXX. 

This information did reflect on my credit report on XX/XX/2022 as it showed that the account had been closed with a XXXX $ balance due. 

However, my current credit report as of today, shows that this same account which Id already paid off and previously closed is delinquent. 

Ive called Comenity Capital Bank several times and have been told each time by representatives that the account would be closed yet when calling again to confirm this is so Im told there is still a balance and that I am required to make payment nexts month as well.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I submitted two claims with boa, both of which were rejected almost immediately. The informed me via letter stating that it was rejected but didn't provide a reason why. When I called to question the reason, they admitted to have never contacted the merchant and simply based their decision on my logins to my account. I've done business with the merchant before so I never paid attention until I saw strange and high amounts. The claims were closed and now if I want them reconsidered, not only they won't give me credit even if temporary, there is no time limit on the duration of the investigation which as the rep who I spoke with seconds ago is a sham. A lie. They didn't investigate a thing, didn't even contact the merchant. Not only that, they'd not give me any documentation regarding the alleged investigation because and according to the rep it is an internal matter. 

I want fair treatment and I want my money refunded. I have a police report, I took the merchant to small claims court and if need be, I'll take the bank to court as well. 

Thank you
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bayside Capital Services, LLC (NV)

On XX/XX/2019 I was contacted before XXXX XXXX and told they would serve me a legally required notice by Friday. They could not provide my address, their name, or the debt. They said they were from Bayside Capital. They also called a relative of mine to inquire about me and spoke about the debt. Number they called from was XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (CA)

I, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

Name : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts # : XXXX, XXXX, and 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 an account without my written instructions.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Consumer complaint received 2023-02-08
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)

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The XXXX Credit Bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX A XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE CREDIT XX/XX/2022
Consumer complaint received 2023-02-08
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
-XXXX XXXX XXXX XXXX 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 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (VA)

I am an Apple Card customer. The Apple Card is held by Goldman-Sachs . This card is supposed to offer a daily cash feature that will give the customer anywhere from 1 % to 3 % Daily Cash on purchases. This Daily Cash is posted almost immediately after you make the purchase hence the term Daily Cash. I use my Apple Card as my daily use card. I buy everything from gas to groceries to clothes on this card and I spend thousands per month with the Apple Card. I have other cards but the ease of use and seamless connection to my phone makes this card great for daily use. Well, I started noticing that Apple was not applying my Daily Cash to my account back in XXXX  of 2022. I reached out to Apple as soon as I noticed the issue and they assured me that the problem would be resolved and and my Daily Cash rewards would start to post to my Apple Cash card. Here it is 6 months later and no rewards have been posted. I recently talked to Apple and Goldman Sachs support and they can not find the issue. After being on hold several times, I was told to call a company called XXXX XXXX that is supposed to be the handler of the Apple XXXX portion of this card. I explained to the tech that it is not my job to fix your faulty system and I should not have to be put on a wild goose chase to figure out how to get a reward that your company advertises as one of your key features that make your card special. The support tech had nothing to say other than an apology. As of this writing, the problem remains unresolved and I will no longer use the Apple Card as a daily card because it offers no rewards to its customers.
Consumer complaint received 2023-02-08
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. (TX)

To whom it may concern : 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, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 an 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 or 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. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TN)

When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2020-04-16
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. (AR)

I was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX  XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2023-02-08
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. (LA)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
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. (IL)

I sent a letter on XX/XX/XXXX to remove these items that 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/block any items or information not later than 4 business days after XX/XX/XXXX2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (AR)

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 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 1681 s-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 information is inaccurate.
Consumer complaint received 2023-02-08
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)

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act Section 15 USC 1681 ( b ) ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report.