davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The following accounts don't belong to me they are fraud accounts. I have listed these accounts in my FTC report. I demand these accounts be removed from my credit report and blocked from any future reporting. I have attached the following information for your review. I have been a victim of identity theft, my information was found on the XXXX XXXX  as well as XXXX and TransUnion were exposed. I demand the blockage of these accounts. I am in the middle of purchasing a home and these items are affecting my closing. Failure to not comply with my demands will sue for defamation of character, and violation of my rights to privacy. I will pursue this in small claims court if my demands are not met. Federal law requires all information to report accurately if not removal is needed. 




1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as those stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original do curse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX Account Number : XXXX is reporting 1 late payment ( XX/XX/XXXX ) XXXX  Account Number : XXXX is reporting 3 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  Account Number : XXXX is reporting 3 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX AUTO Account Number : XXXX is reporting XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) According to 15 U.S.C 1681 section 602, it 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 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 I did not provide written instructions to any reporting agency in regards to furnishing any of my account information. I did not provide written permission to any financial institution to provide my account information with any third party. All the information mentioned above that is being furnished on my credit report is in direct violation of my rights.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-06
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (SC)

In accordance with the Fair Credit Reporting act.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681. 

XXXX XXXX XXXX XXXX  account # XXXX on date XX/XX/2022. Comenity Bank/XXXX XXXX  account XXXX XXXX on date XXXX XXXX has violated my rights. 

15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC (MO)

Carvana presented me with a bill of exchange that I accepted for value and returned for value as a Private bankers acceptance. Carvana used my Social Security Number whitch is a violation of 12 USC 408. 
The promissory note is a National Bank Note according to 31 USC 5118 ( d ) ( 2 ), 31 USCA 463 and public Law 97-258 and this note is equivlant of cash for face value.

I am the holder in due coarse I have made tender of payment in g
ood faith the Carvana would follow good business protocol and comply with TILA.

After a few hours I was informed my transaction was canceled but Carvana kept the automobile and kept the tender of payment.

15 USC 1602 ( g ) I am the Creditor.

12 USC 1431 Banks can not lend money they are the borrowers.

12 USC 1986 Action for neglect 15 USC 1684 Neglect non compliance.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (CA)

I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.
Consumer complaint received 2023-02-06
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. (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Experian Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies marked out in red ink attached. 

Accounts : Account name : XXXX XXXX XXXX. XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX. XXXX, XXXX. 
Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-02-04
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. (NC)

It has been drawn out that Credit Bureaus 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. Here are the ACCOUNTS that need to be removed from my file : CHILD SUPPORT ENF AG/N XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$33000.00} ; U S DEPT OF EDXXXX XXXX Balance : {$38000.00} XXXX
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX - XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2017-01-19
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had updated my direct deposit information to my employer and accidently reversed the numbers at the end of my account number. I saw the mistake before the money was actually deposited into the wrong account and contacted American Express Centurion and told them and they explained to me that the computer would recognize my name and still deposit the funds into my account. This did not happen. My pay check which was {$1300.00} was deposited into the wrong account. American Express did freeze the funds so this other person could not spend my money and then requested that my pay roll bank which is XXXX XXXX submit a letter called a Hold Harmless which pay roll indicated that they do not provide. Payroll then submitted a recall to retract the funds and American Express denied the recall. They then indicated again they would only release my funds to the bank if they received this letter that my payroll bank does not provide. We have asked if there are other methods besides this one and they keep telling us they will get back to us and they only keep saying they need this Hold Harmless Letter. They then told me that they can only hold the funds for 30 days and after 30 days they will release my pay check to this other person and they will get to keep my money. This is totally unfair. We all know that there was a mistake and there has to be another way to have things verified to send my hard earned pay check back to the pay roll bank. I am living one pay check behind and I am late with all of my bills and my rent is now a month behind and my landlord is very upset and threatening to evict me and my XXXX kids. This pay check was right before XXXX also and I had no money for XXXX or the XXXX XXXX. I desperately need my money and they are doing nothing to get it back to me. It is as if they do not care when they clearly see the money belongs to me. I have been having the direct deposit for years and even now my pay check is still being deposited. Please help me.
Consumer complaint received 2023-02-04
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts 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. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THESE COMPANIES : XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-02-04
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)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (AZ)

Purchase car XXXX XXXX XXXX XXXX 
Used wells Fargo dealer services to pay car off. Couldn't make bigger payments to finish paying off the vehicle quickly. I finally paid off the car XX/XX/XXXX. 
I was supposed to get a check of {$540.00} due to being off paid before due date and from gap. I never got the check and also had overdraft fees from wellsfargo.
Consumer complaint received 2023-02-04
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)

MY NAME IS XXXX XXXX XXXX XXXX, AND I AM WRITING THIS STATEMENT SOLELY ON MY BEHALF. THE LISTED ACCOUNT IN THIS REPORT HAS BEEN OPENED USING MY PERSONAL INFORMATION WITHOUT MY CONSENT OR KNOWLEDGE. THIS ACCOUNT IS REPORTED AS A FRAUDULENT ACCOUNT AS IT WAS OPENED WITHOUT MY CONSENT. I AM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-02-04
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-02-03
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)

FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX