davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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 my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00}
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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, 15 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
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. (NY)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Self ( formerly known as Self Lender ) and XXXX XXXX XXXX regarding an unauthorized credit account opened in my name, causing adverse effects on my credit report. Despite numerous attempts to address this issue directly with the bank, they have failed to rectify the situation, resulting in significant financial and emotional distress. 

In XXXX, I became aware of an active credit account with Self/XXXX XXXX XXXX on my credit report, which was initiated without my knowledge or consent. Upon discovering this account, I promptly initiated contact with the bank to report the unauthorized nature of this account. 

In response to this concerning discovery, I took immediate action by following the necessary procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ) and with local law enforcement, providing comprehensive documentation to support my claim that the credit account in question was opened fraudulently without my authorization. 

Despite engaging in multiple conversations with representatives from SelfXXXXXXXX XXXX XXXX and furnishing them with all the relevant evidence, including the FTC identity theft paperwork and the local police report, the bank has failed to take the appropriate steps to remove the unauthorized account from my credit report. This neglect on their part has resulted in an unjust and detrimental impact on my credit score, affecting my financial standing and causing undue hardship. 

As a consumer, I believe I am entitled to accurate and fair reporting of my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). SelfXXXX XXXXXXXX XXXX failure to address and rectify this wrongful reporting is a direct violation of the FCRA, and I am seeking your intervention to ensure the bank fulfills its responsibility to promptly remove the unauthorized credit account from my credit report. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure that SelfXXXXXXXX XXXX XXXX fulfills its obligation to promptly rectify the erroneous reporting to the credit bureaus. Additionally, I urge the Bureau to take necessary measures to prevent such negligent reporting practices in the future. 

Enclosed, you will find copies of all the relevant correspondence, documentation, and evidence submitted to SelfXXXX XXXX XXXX pertaining to this issue for your review and investigation. 

I am grateful for your attention to this crucial matter and eagerly await a swift resolution to correct this issue. Please feel free to contact me if further information or clarification is needed to expedite this process. 

Thank you for your assistance in addressing this pressing issue.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (WA)

My card has been blocked for fraud on nearly every transaction Ive tried to make. In the past 24 hours, I have tried to make a purchase at XXXX for {$27.00} 3 times. Both times, Ive called in to ask to have my card unblocked. Both times, I have been told my card is unblocked and ready to use. I spent all my time before work talking to various reps about this. ( This meant I had to wait until midnight to make the purchase I had intended to do earlier in the day but couldnt because I was busy interacting with their customer service team ). 

Why am I blocked from this XXXX XXXX dollar transaction a third time? This is exhausting. 

I am having to call into this company multiple times per week to unblock ( read : get permission to use ) my card. 

To make it better ; the company doesnt have evening hours. Tried to use the card at midnight since I just got off work. Cant. Theres no way to overturn their decision, according to them, other than calling them during business hours. 

I am not being protected from fraud here. It is not protecting me to not allow me to use my card. Its unethical. Given the fact that none of my other credit cards block me from every other transaction I try to make on my card, this is probably also illegal. 

I really dont want the sun and the moon here. I wan na order XXXX or XXXX sometimes. I wan na go to the movies sometimes. I want to use my card outside of their business hours. They are being overly reckless and blocking every transaction I have for fraud. Its clear I have an extra strong Flag on my account that just goes absolutely wild. I really need to get that extreme flag taken off. 

If I am not going to be able to use my credit card with this company unless I call them multiple times a day to prove that I really wanted to spend XXXX XXXX dollars on snacks as if I am not XXXX XXXX years old, I need to cancel my account. This is the most horrible credit card company Ive ever experienced and this overzealous fraud protection shouldnt be legal.
Consumer complaint received 2024-09-18
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-08-11
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. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (CA)

Do not recognize this address and I want this address to be remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-11
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was XXXX, and the debt was later purchased by XXXX XXXX, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/year>. However, it is still listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2023 and XX/XX/2023 XXXX fraudulent charges were made in my TD bank Visa card in the amounts of {$2200.00} and {$1900.00}. I saw the charges on the XXXX and immediately called the credit card customer service to report the fraudulent charges and locked my card. The charges were made by some XXXX XXXX in Colorado. I live in XXXX XXXX and have never been to Colorado nor have I left the XXXX XXXX since XXXX. A charge in XXXX XXXX, NJ ( where I purchased gasoline ) was the last purchase I approved and made ( this was made the same day the charge in Colorado was made ). I also informed the credit card company that I never received any type of call or text to approve such a large amount of charge, which most companies do. I have not made a charge that large on that card and that shouldve raised a red flag on their end. They temporarily refunded me the amount and then recharged the amount saying the charges were made chip on chip. I have called numerous times since XXXX to keep reporting and stating that I never made that purchase and keep requesting documentation of their proof because I can prove I was never in Colorado I was at work that day in NEW JERSEY. Its been 3 months now and several calls to them and nothing has been resolved nor I have received any documentation of how they came to the conclusion that the purchase was not fraudulent. Ive had the account for several years now and have never reported a fraudulent charge or tried to get away with something like this. My card is accumulating interest now on a charge I did not make and my credit score has dropped because of this lump of debt sitting there. I am extremely frustrated and upset and do not know what else to do to resolve this issue. I did not make these purchases that add up to over XXXX XXXX dollars and I demand to be reimbursed. I have never in my life experienced such terrible customer service or stress from a credit card company that is refusing to help a loyal customer that is a victim of fraud.
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (SC)

XXXX XXXX XXXX and their collection Agency Credence claim I opened a XXXX XXXX XXXX XXXX account that I did not. Initially I thought maybe someone in my family living with me might have opened the account. After reviewing the numbers associated on the account I dont recognize any of the phone numbers of my family ever having. In XXXX I went to XXXX  and during that time my storage unit was broken into. My ID, social security card, birth certificate, bank statements, past credit reports were all in a file among everything else that was stolen. While in XXXX accounts were opened with XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and XXXX. My brother was able to get all of them handled and closed. I left XXXX in XXXX of XXXX and was in the middle of the COVID pandemic. I was just trying to get on my feet and hadnt even concerned myself with my credit. Then in XXXX my father was placed in XXXX so I was there with him until he passed away in XXXX. The month after that my nephew XXXX in a XXXX XXXX, and a month later my brother passed away due to a XXXX XXXX I lost almost all my family within 3 months with only one nephew left in my family. In XXXX of XXXX I failed a XXXX XXXX and violated my XXXX  and was XXXX XXXX XXXX XXXX and spent most of that time at the XXXX XXXX XXXX XXXX. When I was XXXX in XXXX of XXXX I again was just trying to survive without a support system. In XXXX of XXXX I went through to the police station in XXXX to report my cell phone stolen by hat had been snatched from my hand and then they took off running. I was then arrested for insurance fraud from a fraudulent claim that was filed under my name all ofn much happened while I was XXXX. I spent 4 months waiting for a XXXX XXXX  and was XXXX in XXXX. Around XXXX was when accessed my credit report and seen someone had been using my credit for years. I was even provided a copy of a Drivers License with my DL number and name however the picture, height, and weight are not mine. They used this to rent a car at XXXX and get a car at XXXX of XXXX. I provided XXXX XXXX XXXX this along with police reports, a FTC Idenity theft report and a signed Idenity theft affidavit. Both times they sent me a email that say the thoroughly investigated and determined I am responsible for the account without providing and verification of the account or details of their investigation as required by law. I am now filing this complaint because I should not be responsible for an account I did not create. I am also forwarding this complaint to each credit bureau to have the information blocked from my reports because without providing me with verification plus proof of investigation it would be illegal for the credit bureaus to report this account.
Consumer complaint received 2023-08-11
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX or XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-08-11
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  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX