davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to request the blocking and deletion of unauthorized accounts that have been reported on my credit file following a recent data breach. These accounts were not authorized by me, and in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$0.00} XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$0.00}
Consumer complaint received 2022-02-23
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. (NY)

XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from XXXX therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days I would also like to inform you that I never lived at the address associated with these accounts in New Jersey XXXX 

I have lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX since XXXX have been told by the Creditors stated below that someone at the address XXXX XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records and data furnishers such as XXXX, XXXX,, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX, NJ
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

THESE ACCOUNTS MUST BE REMOVED. XXXX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND EXPERIAN. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX Financial XX/XX/XXXX {$6300.00} XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing a complaint against Transunion for failing to properly handle my recent credit report dispute. I submitted a dispute via mail to address inaccuracies, providing all requested information to verify my identity. However, Transunion responded, claiming my identity was not verified, delaying the dispute process.

Under the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate disputes and make necessary corrections in a timely manner ( 15 U.S.C. 1681i ). This delay violates my rights under the FCRA, as I fulfilled all verification requirements.

I request CFPB assistance to ensure Transunion complies with FCRA regulations and promptly resolves my dispute.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

Portfolio Recovery has been phoning at all hours of the day and night.

In the past 16 day, they have phoned me week they have phoned me 7 times on these dates and times ( all times/dates are local to me ALL calls were in violation of government regulations : XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX  XX/XX/XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX ) XXXX XX/XX/XXXX XXXX ( Violation ) PORTFOLIO RECOV ( XXXX  ) XXXX They never leave a message and when you answer, they hang up immediately. On XX/XX/XXXX, I advised the agent did she realise that it was XXXX? Her response was " no it 's not, it 's XXXX. '' They refuse to listen but instead want to violate federal regulations.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

XX/XX/year> VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AR. XXXX Dear XXXX XXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to have the fraudulent information on my credit report resolved for over a year now. I have provided documentation supporting the information is fraudulent and needs to be removed, however, the corrections have still not been fixed on my credit report with Transunion. These items are required to be corrected and/ or removed per Federal law. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXXXXXX XXXX XXXX Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upgrade, Inc. (CO)

Hello, I have been trying unsuccessfully to obtain help from Upgrade , Inc., XXXX XXXX XXXX, a California-based " neobank ''. Last spring, I had completed a loan application with Upgrade, but did not take out a loan. Since then, Upgrade has been tracking my credit history and sending me alerts. I do not recall opting in to credit health monitoring. I've contacted Upgrade Support three times. They have told me that I do not have an " account '' with them and they have no information to delete. However, when I press them, they do say they can see my personal information and that I applied for a loan. 

I can verify that I do have a login for their website ( https : //www.upgrade.com ) and I can access their Credit Health service ( https : //www.upgrade.com/credit-health/health ). The entity monitoring my credit is Upgrade itself. I am not logging into a third party platform, as some Upgrade support representatives have suggested. I have unsubscribed from emails, but this account with Upgrade is still active. I see no option on the website to opt-out nor request my login/account be deactivated/closed/deleted. 

I request assistance in having Upgrade disable any and all Credit Health monitoring and delete my information / user account from their system. I do not authorize any credit monitoring.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I have purchased knobs for my gas range but they did not fit.I bought it on XXXX have sent the product back to the seller.I have provided all the tracking information what I got from the usps.The product was delivered back to Virginia on XX/XX/2021 but the seller did not accepted and it was sent back to XXXX NJ from where it departed again back to Virginia.It happened a few times according to usps website.The product got delivered on XX/XX/2021 because it is no more delivery status available.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have discovered that my credit reports from XXXX, XXXX, and Experian contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : 1. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These addresses are not associated with my actual place of residence. 
2. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
3. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with XXXX, XXXX, and Experian. 
2. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that XXXX, XXXX, and Experian correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify you that I am a victim of a data breach, and I have identified several accounts and credit inquiries on my credit report that I did not authorize or open. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NV)

I filed a dispute with my Carnival Mastercard through Barclays. I received the response that they are holding me responsible based on the documents provided from the merchant to them. However in one of the documents, the merchant, XXXX XXXX clearly apologizes for the misinformation I was provided. This misinformation rendered the tour unusable. Their offer of compensation was for another day of hop on/off bus in NY, of which I dont live nor anyone that could have used on my behalf. Here is my original email to XXXX : When sold our hop on/off tickets we were explicitly told the buses run every 15 minutes until XXXX XXXX. Because of this we took a side trip to XXXX XXXX  for dinner at dusk. After dinner we walked back to stop XXXX about XXXX and waited a good 30 minutes before I realized I had an app to check the next bus arrival time. Lo-and-behold your app read the last buses are at XXXX. I dont appreciate being mislead to make a buck. NY is not really known for being safe in many areas at night. I had to find an alternate way back to the hotel and pay extra for that when we intended to use your bus. After doing my own research the only bus past XXXX XXXX  is the night tour which only has the one pick up and drop off. This is acceptable marketing tactics. I would not have bought the service had I known it was limited to XXXX. As slow as the buses take to get from stop to stop I would have stuck with a cab. I would like a refund of the fees that I was conned into. 

Here is one of her responses to me : We completely understand your frustration. Our Downtown Tours do run approximately every 20 minutes or so between XXXX XXXX  and XXXX, with the Night Tour running from XXXX to XXXX hourly on Monday-Thursday and until XXXX. We are sorry if you were misinformed in any way. As per our terms and conditions, all sales are final, and we are unable to issue a refund on this purchase. We are more than happy to issue you one day Hop On Hop Off passes, which would have a 2 year validity. These passes are also transferrable to a friend or family member in the case that you are unable to use them yourself. 



Also, The letter from Barclays also spoke about me signing a contract that explained they offer no refunds. I didnt sign any contract, rather gave my credit card to a street vendor who only received one signature of sale, based on my recollection. When I initially complained, I even offered for a reduced refund. As we used the bus once in the morning. But the way they operate their business it was not a viable option after. And again, as in my complaint above, they left me and my family in a bind in a scary area because of misinformation. I think this is unacceptable and I should be refunded for the tour. 

This trip was purchased XX/XX/2021. 
Card ending in XXXX. 
Amount : {$350.00}
Consumer complaint received 2022-07-02
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}