davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: AMERICAN EXPRESS COMPANY (TX)

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. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2014 Balance : {$640.00}
Consumer complaint received 2022-09-12
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

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 accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXXXXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX Balanced {$990.00} XXXX  XXXX XXXX Balanced {$830.00} XXXX XXXX XXXX XXXX XXXX Balanced {$2000.00} XXXX XXXX Balanced {$1200.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$820.00} XXXX XXXX XXXX XXXX Balanced {$960.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX  XXXX Balanced {$1200.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XXXX XXXX Balanced {$890.00} XXXX XXXX XXXXXXXX Balanced {$440.00} XXXX XXXX  XXXX Balanced {$2400.00} XXXX XXXXXXXX Balanced {$3200.00} XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$870.00} XXXX XXXX Balanced {$350.00} XXXX XXXX  XXXX Balanced {$5700.00} XXXX XXXX XXXX XXXX Balanced {$1100.00} XXXX XXXX XXXX XXXX Balanced {$1600.00} XXXX  XXXX XXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$3400.00} XXXX XXXX  XX/XX/XXXX 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 XXXX 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  XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NY)

I opened the account in XXXX and have never missed a payment I've never had a late payment. 
I have grown adult children and use this credit card to secure their college tuition. 
In XXXX I gave birth to a XXXX XXXX with a XXXXXXXX XXXX 
I had no problem making the payments even through several of her XXXX XXXXXXXX XXXX 
During the time of the covid pandemic I righteously made my payments. 
I have reached out to discover every XXXX months to XXXX XXXX  to see if there is a way to lower the interest payments I have paid over {$8000.00} in interest, each time they indicate to me that that is the card I have. 
Recently I reached back out to them Indicating that we are considering filing bankruptcy they offered me a XXXX months interest program which I accepted and completed during that. Of time I also paid {$150.00} over the minimum payment. my card is on auto pay and has been for over XXXX  years. 
Upon completing the program they told me I could not get into another program for a year they could offer me nothing more than lower interest on future purchases. 
That is not the quality standard I have if I can not make the payments on the purchases I have I'm certainly not going to be making any further purchases as I haven't there's absolutely no activity on the account and has been no activity on the account I am merely paying years of interest. 
I called discover every XXXX months to a year to see if there's any options and there is absolutely no options with them. the representative filed a complaint on my behalf as it's indicated I have diligently tried to come to an agreement with discover or a payoff or any financial offers in there isn't any the only offer they have is to go delinquent and incur more interest and have a negative XXXX XXXX and negative credit reports. 
So today XX/XX/XXXX I took my account off auto payments Recalled discover to see if there was absolutely anything I could do again the answer was no. 
My daughter is going under another XXXX XXXX and her medical is more important to me than a company that just refuses to work with you and give no options other than to negatively affect my personal and financial credit. 
I've made above and beyond payments, as indicated the interest rates begin to really go extremely high I called discover they indicated that there was nothing that they could do.
Consumer complaint received 2024-08-29
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX XXXXXXXX : Account # XXXX ( Balance : {$820.00} ). 15 U.S. Code 1681 s2 states 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. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Consumer complaint received 2022-09-12
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. (NJ)

I HAVE REACHED OUT TO TRANSUNION FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO TRANSUNION. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX TRANSUNION HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT XXXX INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( XXXX ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO TRANSUNION AS WELL. If TRANSUNION OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Consumer complaint received 2022-09-12
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. (GA)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-09-12
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-09-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

Several years ago, I ended my service and was asked to return the equipment to the nearest ups store. In doing so, none of the equipment registered in the system at the XXXX store and they would not take the equipment. I made several phone calls toAT & T who said they would send me a box to return the equipment. The box never arrived. After receiving another invoice I called them again for a repeat promise of a return box that never arrived. This has been going on for years now And I do not owe them any money. I am receiving debt collection letters for {$61.00} From Ic system incorporated out of XXXX XXXX Minnesota XXXX XXXX XXXX XXXX XXXX XXXX uverse out of XXXX Texas.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-09-12
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: Affirm Holdings, Inc (OH)

Im exercising my consumer rights. This company is fraudulently reporting a fraud account that someone did online on to my credit report. This is an unauthorized account made online please remove this account immediately. 

Affirm -Fraudulent account
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2022-09-12
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (SC)

I didnt apply for a thing, I didnt contract with anyone for a thing! On XX/XX/XXXX I received a call from SOUTHERN FINANCE even though i had already tried to reach out after seeing that a loan was placed onto my consumer report. I am very concerned about how this company received my PRIVATE INFORMATION! My Social Security Number to be exact!! My SSN is my credit card and the source of all of my credit! 15 USC 1602 ( L ). More importantly How was I pre approved for any loan when I never gave this company my information? This company has gathered my private information without my consent and pursuant to 18 USC 1028A, federal law thats identity theft! This company has trespassed onto my ESTATE and are telling I, the consumer that I owe them something! So they commit identity theft, gaining access to my trust account with my open end consumer plan. There is no telling how much this financial institution has taken from me, yet telling me I owe them something? The SSN belongs to the SSA and anything purchased with that identifier number is an obligation of the UNITED STATES 18 USC 8. Meaning anyone attempting to collect a debt is guilty of the FALSE CLAIMS ACT! 31 USC 3729- 3733. This company is committing FRAUD & IDENTITY THEFT & needs to be shut down!!! Will be filing form 14039 & Form SSA-89 with the IRS. These companies are committing fraud and its not okay. Financial institutions cant lend money! 12 USC 83!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report any 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 ) states : 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 2022-03-11
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. (TX)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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 reason.