davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$520.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$300.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$680.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; 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 XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (CA)

On the night of XX/XX/2022 I noticed that there were XXXX transactions that were not made by me and I immediately contacted the number that is found on the back of my prepaid debt card. When getting connected to a representative I inform them of the XXXX transaction that occurred and I was then told that they are going to open a dispute claim for me on the XXXX transaction and that I will hear from them when the investigation is over. Today being XX/XX/2022 I recieved a email that the investigation is complete and that they have came to the conclusion that there was no error found and that I will not be credited the money that was used in the XXXX transaction that I reported were not me.
Consumer complaint received 2024-11-01
Product: Credit reporting 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. (GA)

There seems to be an identity theft going on my Transunion credit report as someone tried to apply for a credit card with XXXX XXXX XXXX  on XX/XX/year> without my consent or knowledge
Consumer complaint received 2022-08-05
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. (PA)

After pulling my credit report I noticed that Equifax, XXXX, and XXXX have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, equifax has allowed for my information to be shared with various companies without my consent or consideration, a few being : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.
Consumer complaint received 2022-08-05
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-08-05
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)

This is my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS 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 pursuant to FCRA section XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2022-08-05
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$2300.00} ; DEPT OF EDXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/22 I disputed account on XXXX and XXXX against Santander consumer usa because its shows two different payment months. XXXX shows XXXX and XXXX shows XXXX.Both can not be correct and it keeps getting verified as accurate.This is the fourth attempt and nothing is changing which is affecting me
Consumer complaint received 2022-08-05
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)

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. 

XXXX XXXX XXXX Opened Date XX/XX/2018 Balance {$0.00}. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} 2. DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$6200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$580.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$220.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I semi regularly check my email weekly. I saw on one of my emails that XXXX XXXX  stated that my credit had changed. I also received an email from one of the credit bureaus about my credit changing. It showed that a hard inquiry was made by Capital One bank  at XXXX today XX/XX/2022. I am currently attending XXXX XXXX XXXX XXXX and am not allowed to leave the center. I have also seen soft inquiries being made on the east coast as well. I have never given my sensitive information to anyone. I tried calling Capital One and it was already closed when I saw the unauthorized hard inquiry. I have gotten many promotional mail from Capital One for a couple of years. I always try to shred them to prevent my sensitive information getting out. I only have two active accounts. I have a XXXX credit card I had opened a few years ago and has only been spent on clothing to boost my credit. I also have a XXXX XXXX debit card. I also have a XXXX debit card that is issued to me by XXXX XXXX XXXX XXXX for my bi-weekly allowance. I had tried to close the XXXX XXXX credit card and talked to them over the phone and they said they would. I dont know if the XXXX XXXX credit card has been closed or it is my XXXX XXXX Debit card. I have frozen my credit bureau accounts that I am able to.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AmerAssist A/R Solutions, Inc. (FL)

Amerassist have been aggressively attempting to collect on behalf of XXXX XXXX XXXX for XXXX XXXX XXXX This company has assumed the role of furnishing information that has not been validated to the Credit Repoting Agencies. Furnishing XXXX years worth of late payments has caused me stress and XXXX XXXX. This company has also mailed a unenforceable contract without a wet signature declaring it was the legal proof they needed to provide they had the power to collect on behalf of XXXX XXXX XXXX. I attempted to reconcile the issue with Amerassist by making a phone call. The representative who answered had no knowledge of the proper collection activities the company must adhere to according to the FDCPA. She yelled and demanded Oh you owe this debt, you used it and you got to pay, oh yeah you can say what you want but you owe. That clearly an unlawful attempt to coerce me into paying the alleged amount.
Consumer complaint received 2022-08-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (CA)

I XXXX XXXX, was contact by someone named XXXX XXXX, who didnt leave the name of the company she is with, she left the claim number XXXX. Stating she is calling regarding my account with check into cash. The phone number she left for me to call her back is XXXX. XXXX XXXX also stated if this matter wasnt taken care of today XX/XX/2022, she would be sending an officer to my location to have me arrested. 

I have contacted Check into cash myself, and was informed by a customer care representative that after checking all three of their systems, I do not have an outstanding account with them. She informed to make a police report regarding the fraud. I contacted my local police department and they advised to submit the information here.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-01
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. (MD)

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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2022-08-05
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. (CA)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$390.00}.