davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (CA)

This is XXXX XXXX, and I am submitting this complaint to inform the Credit Bureuas that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXXXX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX
Consumer complaint received 2022-08-04
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. (NC)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 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 ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2024-10-07
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. (VA)

I have attached additional information for these accounts as XXXX requested ID information, which no reason to close the compliant as there is no way this information can be verified or validated for the matter because all the paperwork shows this impossible. There are setting themselves up for the law suit they will not be able to win and will publish information once complete if they do not correct this issue. 

Not to mention, there is a woman who sued them for millions of dollars and won because they refused recognized Identity Theft on her credit report. I will use the SAME ATTORENY 'S if not corrected! 

Here is the article : XX/XX/year> -- For two years an Oregon woman tried without success to get mistakes in her XXXX credit report fixed. Now a jury has awarded her {$18.00} XXXX for her trouble. XX/XX/year> Another One Right Here : XXXX XXXX XXXXXXXX Again, I was incarcerated during that time... Therefore, it was not me.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, amount {$830.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-08-04
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I applied for an XXXX credit card that is issued through Comenity Capital Bank. This is a credit card that can only be used for medical bills. I applied because I needed XXXX XXXXXXXX. I was approved for a {$8800.00} credit limit and was given XXXX options to pay off the debt. XXXX option was a 24 months payment plan where the card would be paid off in full in 24 months with no interest. The second option was for a longer term with lower monthly payments but I would have to pay interest. When I applied they website showed be a chart with the payment amounts that would be due for each plan. I chose the 24 month plan. I started making payments and for at least the first year and a half I paid more than the minimum amount due. The minimum payment each month was lower because I was paying more than the minimum so I thought I would be able to pay the loan off early. I received an email from them telling me I had to pay off the balance by XX/XX/2022 to avoid paying interest and the balance at that time was over {$3000.00}. My balance now is {$8100.00} which means I owe almost as much as the original loan amount after 2 years of payments. I agreed to their 24 month payment plan where they set the payment amounts which they said would pay the loan off in 24 months. They obviously lied to me and set the payments lower than what would pay off the loan on time. They did not tell me the loan would not be paid on time if I only paid the payments they set. I would have made bigger payments if I knew the loan would not be paid off in full on time. I didn't know this because they set the payments. They even compared the XXXX payment plans side by side showing me the 24 month plan with no interest vs. the longer payment plan with interest. My monthly payment went from {$130.00} in XXXX to {$280.00} in XXXX. I can not afford these payments now. This company obviously lied to me that the payment plan they gave my would pay the loan off on time with no interest owed. There is no way I should owe them interest when they lied to me about the payment amounts. They are obviously doing this to other people if they did it to me. How many people have been blindsided by this like I was?
Consumer complaint received 2022-08-04
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)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-08-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since IXXXX a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS which 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 these files listed below : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these ITEMS 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS 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 2022-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On Sunday XX/XX/XXXX, I received emails from Bank of America indicating there was a checking account application being reviewed and subsequently approved. These emails had my name, the type of checking account opened and the last 6 digits of the account number. 

I thought this was quite odd because I was previously a Bank of America customer with another product ( not checking/savings ) but had not been since XX/XX/XXXX, so my information would be in their system. 

I called first thing on Monday XX/XX/XXXX and when I was finally able to reach a representative in their online fraud department, they would not give me any details on the account. 
They would not even provide the routing number on this fraudulently opened account. 
All they would assure me is that it was closed. 
I could not find out if there were linked accounts to it or the address used to sign up.
Consumer complaint received 2022-08-04
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. (PA)

It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$170.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2022-08-04
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. (CT)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-08-04
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. (CT)

I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts 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 deletes any accounts and inaccurate information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} Medical XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} Medical XXXX Balance : {$1.00} Medical XXXX Balance : {$20.00} Medical XXXX Balance : {$20.00} Medical XXXX Balance : {$16.00} Medical XXXX Balance : {$14.00} Medical XXXX Balance : {$11.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$8.00} Medical XXXX Balance : {$8.00} Medical XXXX Balance : {$6.00} Medical XXXX Balance : {$4.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$7.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$9.00} Medical XXXX Balance : {$15.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$33.00} Medical XXXX Balance : {$19.00} Medical XXXX Balance : {$23.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$7.00} Medical XXXX Balance : {$16.00} Medical XXXX Balance : {$13.00}
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from XXXX and XXXX. I have not received a response from Transunion. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Consumer complaint received 2022-08-04
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}.