davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc. (FL)

I received a letter dated XX/XX/XXXX from F.H. Cann & Associates , Inc from XXXX, NH phone ( XXXX ) XXXX. The letter identified this company as a debt collector. The verbiage of the letter indicated that I owed {$610.00} to XXXX XXXX XXXXXXXX XXXX. 

All my credit cards are locked with each of the credit bureaus. It was not until I filed my takes in XXXX that I discovered my identity had been stolen. I am retired living in FL and I do not do any online courses. My identity has been compromised. The IRS has indicated that someone filed taxes using my XXXX and XXXX at my address. What was missing on the IRS tax form was my full name. I filed an identity theft report with the IRS. 

I called the debt collector phone # and a someone answered, then hung up. I called back and the same person answered but did not hang up. I explained the debt was not mine. The company rep was rude and said to call the college, that the debt was mine. He wanted my XXXX #, which I did not provide. I responded my identity was stolen and asked for the last name of the person who owed the money. since only my first and middle name appears on the debt collection letter. The debt collector rep would not answer and told me to contact the college before hanging up. There is only an account # noted with the name of the college, but no phone #. According to the letter I can only dispute the debt in writing by XX/XX/XXXX either by letter or on their website. 

I filed a fraud alert with XXXX on XX/XX/XXXX and was advised to file a complaint with CFPB.
Consumer complaint received 2023-05-27
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-05
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. (WI)

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 XXXX, EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-15
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. (GA)

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.

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : 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 XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV INC. (NY)

My name is XXXX XXXX, I am the only party with first-hand knowledge of this transaction. furthermore, TRS are debt collectors and have failed to provide me with sufficient information to verify this alleged debt. under 15 us code 1692g ( a ) subsection 3,4 and 5 TRS has failed to provide me with the information under 1692g.

This notice to inform TRS recovery services that this alleged debt is disputed and i am further requesting verification or copy of a judgment of this alleged debt from the original creditor. 

failure to provide this information shall result in termination of ALL collection efforts and a complete removal of my personal information from your agencies systems. 

RE Number : XXXX Transaction Number : XXXX
Consumer complaint received 2023-06-05
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)

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance XXXX {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$340.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX / XXXX ) XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
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. (MD)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX XXXX CT XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Florida XXXX. You are in direct violation of the Fair credit reporting act 15 USC 1681 section 602 a clear state that I have the right to privacy 15 USC 1681 section 604 a section 2 is also stays a consumer report agency 15 USC 16668 a creditor may not treat a payment on a credit card account under and open in consumer credits plan as late for any purpose remove these late payments and update this account immediately as you are not in direct violation
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (AR)

I am writing to express my deep frustration and concern regarding the persistent late open accounts appearing on my credit report. Despite my repeated attempts to rectify this situation, the inaccurate information remains on my credit file, negatively impacting my creditworthiness. This situation is in violation of the Fair Credit Reporting Act, and I am seeking immediate resolution. 

To provide you with a comprehensive overview of the issue and the actions I have taken to address it : I discovered that there are late open accounts listed on my credit report that I believe to be inaccurately reported. 

I promptly filed a dispute with your agency on [ Date ] to challenge the accuracy of these late open accounts. I provided all necessary documentation and evidence to support my claim. 

After the initial dispute, I requested a reinvestigation on [ Date ] as I believed the late open accounts were not adequately addressed during the initial dispute process. 

I have made numerous attempts to follow up on the status of my dispute through letters, emails, and phone calls to your agency. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act obliges credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, this dispute has not been resolved within the required time frame, which constitutes a breach of my consumer rights. 

Initiate a thorough and prompt investigation into the late open accounts appearing on my credit report as mandated by law. 

Furnish me with a written response detailing the results of your investigation, including any corrective actions taken to rectify the inaccuracies. 

If it is determined that the late open accounts are indeed reported inaccurately, I insist on their swift removal from my credit report. 

Ensure that your agency complies with all pertinent laws and regulations, including the Fair Credit Reporting Act. I am asking for your immediate assistance to correct the accounts : XXXX  XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$49000.00}.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I originally opened a Citi financial card ending in XXXX with XXXX XXXX approximate date was XX/XX/XXXX I used the card for a few things and paid a minimum payment auto draft which was required for getting the card. 
At some point I realized that fraudulent charges were occurring so I called Citi financial to block the card and send me copies of paper statements, the statements. Then I realized an imposter had received a new card and number, and the entire time my auto draft was in place. I must admit I have been mentally challenged this past few years and I was not paying attention to my accounts. 
I have called several time to customer service and they dont recognize my account? but they keep calling me daily asking me for payment. 
I stopped auto draft that I did not realize was still going through after I stopped the original card someone else opened the new account ending in XXXX Please allow me to send the 3 inch stack of paper statements that were mailed to me XX/XX/XXXX I believe the Citi financial, XXXX XXXX are the culprits, also there was security breach I also was subjected to with my mortgage company XX/XX/XXXX I was issued 1 year of free credit report/alerts, there were too many to count. 
I would appreciate a call to discuss my most urgent need to recover my identity with Citi financial bank, again just today I spoke with a fraud specialist that would not tell me his last name, address my last payment over the phone was made XX/XX/XXXX. I really wasnt thinking correctly until recently Im waking back up now, please help, thanks
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 & XX/XX/2023 I sent a billing error dispute to Chase Bank, customer service and their registered agent. I tried to resolve this billing error dispute but have not received a resolution. On XX/XX/2023, I sent a notice of pre-arbitration to cardmember services. The response I received was not the documentary evidence I requested according 15 USC 1666 ( b ). On XX/XX/XXXX I initiated a demand for arbitration. 

This process has been very stressful and XXXX inducing, for both my personal and professional life. Ive taken all the necessary steps and have received no resolution.
Consumer complaint received 2023-06-05
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items 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 XXXX 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 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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XX/XX/XXXX account XX/XX/XXXX, account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-27
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. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-05-27
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. (FL)

I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of an account for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and correct the listed account : XXXX XXXX XXXX : {$400.00}