davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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 information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/ 2023
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-24
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. (IL)

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW US BKPT CT IL XXXX # XXXX US BANKRUPTCY COURT # XXXX US BANKRUPTCY COURT # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-02-24
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. (NV)

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 Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-24
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. (TX)

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/block any items 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, XXXX, XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$710.00} from Creditor : XXXX XXXX XXXXXXXX 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 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX contacted BOA due to fraudulent use of my debit card, asked that it be mailed to XXXX XXXX XXXX  XXXX XXXX TX XXXX. Contacted BOA on XX/XX/XXXX the card had not been sent to the accurate address and both the agent and manager were hostile unhelpful rude, insisted on charging me {$15.00} for expedited service even though the bank wax at fault for XXXX sending the card to the address promised to begin with. It appears that these customer service agents dont want consumers to have their debit cards.
Consumer complaint received 2023-02-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX, TransUnion and XXXX several times about this issues the inquires on my credit from XXXX  XXXX and other unauthorized inquires in 2021. I have recently sent a letter again about this problem certificate mail. All they offer me was a {$1.00} trial to monitor my credit. They also inform me that I was apart of a breach. Thinking they would help me
Consumer complaint received 2023-02-24
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information 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 items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX. XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-23
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act, This Creditor Victoria Secret has violated my rights under 15 USC 1681 Section 6 o2 states I have the right to privacy. 15 USC 1681 Section 6 O 4 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late payment for any purpose. 

Victoria Secret Reported late payment on XXXX in 2021. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-24
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. (GA)

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 Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX 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 2023-02-24
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX ( XXXX XXXX ) Late Payment reported on XX/XX/XXXX. 
Account # XXXX ( XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX. 
, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: The Bureaus, Inc. (MD)

On XX/XX/2016 XXXX XXXX sold off my financial contract with them to a company called " The Bureaus ''. I am not contractually obligated to pay the bureaus, only XXXX XXXX. Due to them selling the debt to the bureaus I am no long attached to that debt. I have called the bureaus, they have flat out refused to remove the debt. I have filed multiple complaints through XXXX  and XXXX  to no avail. I am seemingly being held economic hostage, without any ability to use credit. Even unable to apply for a XXXX $ secure line of credit.
Consumer complaint received 2023-02-24
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-24
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

TIME LINE : XX/XX/XXXX I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately.

XX/XX/XXXX : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX  XXXX XXXX ( note I was involved in the Equifax and XXXX XXXX data breach which exposed my information to criminals ) -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX- XXXX -XXXX XXXX XXXX- XXXX -XXXX  XXXX XXXX XXXX I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. 

I have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. 

XXXX XXXX The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the Equifax law suit. This information is public and you can type my name in and see if for yourself.
Consumer complaint received 2023-02-24
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. (SC)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2023-02-24
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX