davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (TX)

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 2023-07-18
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. (KS)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2023-07-03
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)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-03
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. (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 EXPERIAN, XXXX AND XXXX 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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-03
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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. (FL)

This is my 19th 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
Consumer complaint received 2023-07-03
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. (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 2023-07-03
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)

Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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: CNG FINANCIAL CORPORATION (AL)

Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2023-07-03
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. (NC)

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 2023-07-18
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. (PA)

RE : XXXX I am in receipt of a letter dated XX/XX/2023 from XXXX in response to my demand requesting removal of accounting details, transactions and experiences be removed from my consumer reports as well as remarks and comments that are injuring me as a consumer. Pursuant to Federal Law, ( 15 USC 1681 ( a ) ) and experiences are to be excluded from consumer reports and more importantly, proper disclosures are to be provided in a clear and conspicuous manner affording the Consumer opportunity to opt out of said consumer reporting all together. XXXX has not provided me any annual disclosures or opportunities to opt out of reporting or furnishing this information to any of the consumer reporting agencies. I am demanding XXXX provide me with proof they have provided me with any disclosures regarding my consumer right to opt out of their Customer Agreement. I was never given any clear and conspicuous instruction as to how I could exercise that non disclosure option in the first place. XXXX has assumed they have my expressed or implied permission to do so. That is not the case. Corporate policy does not supersede law. Failure to provide me with the proper disclosures is a violation of law and Consent is what makes the law. XXXX does not have my consent to report this information, nor have they provided any proof of authority to do so. A contract founded on a base and unlawful consideration is null. Every consent involves a submission, but a mere submission does not necessarily involve consent. I am in receipt of copies of the loan modification documents containing account information, however, it does not even contain the original source of funds being loaned out. It also does not provide any disclosure or reflect accurate information you are currently reporting to the credit agencies : XXXX, Transunion and XXXX. If XXXX can not provide this, then the debt can not be validated and you are legally and lawfully required to delete the account from my consumer report. Also, provide the contract and signed disclosure where I agreed for my nonpublic, personal information and/or transactions to be furnished on my consumer report. I am again asking for documentation where you provided me the option to Opt-out from such reporting. I have already asked for this information to be removed from my consumer reports ; as it is false and being reported without my consent. XXXX states : " they are reporting the loan correctly '' as evidenced on the first page of your response dated XXXX, XXXX, XXXX. Assumptions are not facts. Pursuant to : 15 USC 6801 ( B ) 3, 15 USC 6802, 15 USC 6803, 17 CFR 248.124, 17 CFR248.6 ( a ) 6, 17 CFR subsection 248.7 you are violating my consumer rights and breaking federal law.
Consumer complaint received 2023-07-17
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)

The reason for my communication is to file a complaint against XXXX and Equifax, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by XXXX and Equifax, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with XXXX and Equifax, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, XXXX and Equifax has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by XXXX and Equifax to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against XXXX and Equifax for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your investigation.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-03
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-17
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ballybunion Enterprises, Inc (CA)

freedom acceptance corp. put a lien on my XXXX account in XX/XX/XXXX. i fear they will continue to peruse debt collection from a XX/XX/XXXX debt in XXXX ca. The Bureau 's investigation also found that Freedom Stores , Inc. violated the Electronic Fund Transfer Act by failing to properly disclose the terms of preauthorized transfers, and that Military Credit Services violated the Truth in Lending Act by failing to properly disclose the terms and interest rates on the loans it offered
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

My landlord wants me to pay the rent through Venmo. I tried to set up a Venmo account and I received a message that I was rejected because of a violation of their terms of service agreement. I asked what the violation was about and they refuse to tell me and they said that they are not obligated to do so. I have had email contact with them, and I'm sorry to not be able to share those with you, and they told me that I have to contact the person who rejected me to have a Venmo account authorized. I don't know who that is and they won't tell me. I'm on social security and XXXX XXXX for XXXX part time. The account I want to open will be connected to my debit account and if the payment isn't in the account it's not going to be authorized. I don't understand why they are doing it and I am not going to injure Venmo or the XXXX financial system. Please help me open the account Sincerely, XXXX XXXX
Consumer complaint received 2023-07-03
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. (NC)

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 2023-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

XXXX XXXX there was a transaction off my PayPal balance XXXX I was having part of each weeks paycheck deposit into PayPal due to my wife and XXXX kids being in XXXX  in XXXX XXXX  with her mother and sister for the summer. She and my kids were living at her moms apartment in XXXX. So when I had a transaction for XXXX XXXX XXXX post to my PayPal account for {$480.00} I asked my wife if it was her and what for. She didnt respond the first day due to her losing her cell phone at XXXX  XXXX  and later in the day activating service on a phone her mom gave her so she could try locating her device. Sometime between her losing her phone and getting a replacement her phone was used to do this transaction. So I began disputes with PayPal. We found out XXXX  is actually a company that my wife hd an app on her missing phone that she had signed up for a credit builder card but rhe app apparently also did hotels which she found out when she contacted their customer service to report the issue and fraud after PayPal initially declined support for the issue. 
My wife has screenshots with time stamps and date of conversation with XXXX  which is the name of the app. They directly told her they could not do anything about the fraud that occurred and to contact PayPal to have them do a fraud chargeback. So I had to redo tact by phone to get a new dispute open due to them denying fraud on the original dispute that was also mislabeled by their system. The new dispute got to a couple days before it would auto close in my favor and the XXXX  or XXXX  or whatever new name they go by reaponded. The customer service department for XXXX  emailed my wife and then the PayPal dispute was closed again in their favor. I reopened a3rd dispute and its again been denied as fraud but the other company just keeps telling my wife they are investigating. This was MY PAYPAL not my wifes and even with us doing everything down to even providing messages between each side PayPal still closed the dispute for not fraud. This was $ for rent and bills. It was meant to help us get into a new house so my wife and kids could come back to XXXX XXXX and not keep living in hotels. PayPal will not provide information on how theyve decided it wasnt fraud, they wont refund our money and neither will the other company but we did find on my wifes credit report that the credit builder account she had is reporting as an open line of credit for {$5000.00} but she only ever put {$20.00} on it once and never got the physical card which she had even messaged them about before. The newest dispute was closed as of today XX/XX/17 as far as my messages show. They were investigating and then never contacted or asked for anything just decided it wasnt fraud.
Consumer complaint received 2023-07-03
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: CORELOGIC INC (NY)

XXXX XXXX ( Bank ) XX/XX/XXXX Credco ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  credit inquiries that were not authorized by me. 

XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  This inquiry is 22 days away from it been 24 months and would like to start the process of removal.