davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Fidelity Services, LLC (VA)

To Whom It May Concern : Pursuant to my rights under the state and federal debt collection laws, including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts. 

Additionally, my employer prohibits me from receiving your calls or written correspondence at work, so please refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the Virginia Attorney General 's Office, and other appropriate regulatory bodies. Civil claims may be pursued.

Thank you for your cooperation in this matter.

Sincerely,
Consumer complaint received 2023-04-30
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: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are all showing on a chexsystems consumer report which shows incorrect name, social security number, and addresses these are all stemming from identity theft in which I've sent police reports, affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system after sending proof Ive hired an attorney to take matters to local and federal courts
Consumer complaint received 2024-04-28
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. (IN)

On XX/XX/year>, I formally communicated to your agency via certified mail that I was the victim of identity theft. Despite this notification, as of today, XX/XX/year>, your agency persists in reporting information that arose as a result of this identity theft. Under Section XXXX, which governs the Block of Information Resulting from Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, when there is a possibility that reported data may stem from identity theft and that an identity theft report has been filed. 

In accordance with this requirement, I provided FTC report number XXXX and requested a block on the fraudulent information. Upon your receipt of this notice, Section 623 ( a ) ( 6 ) compels furnishers to cease the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. This action must be taken no later than 4 business days following the receipt of : ( 1 ) adequate proof of the consumers identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the specific information by the consumer; and ( 4 ) a consumer statement affirming that the information does not pertain to any transactions made by them.

I have fulfilled all these conditions, which will be substantiated by the documentation attached to this complaint. However, your agency has not complied with the Federal Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c2, which requires the blocking of information identified as resulting from identity theft within the stipulated timeframe. This constitutes a violation of the law, making your agency civilly liable for willful noncompliance. I am entitled to seek actual damages sustained due to this oversight, as outlined under 15 U.S. Code 1681n.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

All XXXX credit bureaus and XXXXXXXX XXXX  are reporting inaccurate information on this account as follows : XXXX. Last reported date is inaccurate. The account was closed in XXXX by me. 

XXXX. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

XXXX. All XXXX bureaus are showing payment history well into XXXX that did not exist after XXXX.
Consumer complaint received 2024-04-28
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear Experian, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-18
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2023-08-01
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)

According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$3100.00} comments : Not mine
Consumer complaint received 2024-04-28
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. (PA)

XXXX responded to a previous complaint submitted through here, and indicated they would send the credit reporting agencies a letter informing them to remove ALL tradelines associated to my name after a court decision. It has been 60 days and the credit agencies have stated that 1 ) they never received such a letter.

2 ) The confirmed the debt very recently 3 ) They denied a copy of the letter I provided as being real. 

A recorded conversation with a XXXX employee in legal in XX/XX/2024, they informed me that XXXX was overruling the court order and letter, and would continue debt collection ( illegally ). 

I demand that this debt profile be removed immediately by XXXX contacting every and all credit reporting agencies directly.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-28
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 NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ XXXX. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Consumer complaint received 2023-08-25
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX. DISCOVER BANK Secured Credit Card Charge-Off, 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 2023-12-12
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. (DC)

I just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 13th 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
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX ,
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

on XXXX there was an unauthorized charge that attempted to clear my bank account from an old debit card tied my checking account in the amount of {$500.00}. The card that was tried to use ends in XXXX. That card was deactivated several months ago and I have a new card for that account that ends in XXXX. However, even though that card is deactivated, the charge was billed as a reoccurring charge, therefor they could of taken the money out of my account anyway. If I would of had funds in the bank account then that charge of {$500.00} would of cleared and I would be out that amount. 

The company that tried to make the charge is tXXXX XXXX XXXX. If you XXXX that name alof of people have been scammed by it.
Consumer complaint received 2024-04-28
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)

In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with XXXX that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX  XXXXXXXX XXXX del XXXX everything else on there is incorrect
Consumer complaint received 2023-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America acted predatorily regarding {$25.00} in charges because they want to continue to charge illicit & illegal fees that violate FCBA, TILA & this bank along with XXXX XXXX continue to open illegal accounts without users consent in an attempt to obtain a judgement for a vehicle that has been paid for over 10 years ago in an attempt to raise Suspicious Activity Reports which is recorded on voicemail
Consumer complaint received 2018-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Rosebud Economic Development Corporation (IL)

I last spoke to them on XX/XX/2018. I am trying to contact them to payoff the loan. I have called, no answer, and their website is down.I donot want to be charged extra fees. I have tried for 3 days. XXXX XXXX. is where I went online.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

I have urgent transaction and picked 2 day service after paying a premium of XXXX per $ transfered for XXXX XXXX  XXXX XXXX 2 transfers Called several times yesterday and today, they are ignorant, lying that the fault is with receipient bank, called reciepient bank and they confirmed that the issue is not their fault. 
They have not only stollen my premium but I have incurred call costs over {$50.00} international and local, over 5hrs, my dad is sick due to high pressure due to this issue, myself, brother, mother XXXX XXXX, I also had XXXX XXXX  today due to XXXX. 
This money was meant as a time sensitive payment for a divorce settlement to prevent eviction and home sale, please check in with me the actual amount of the damage before the claim is finally closed after the investigation Checking ID for 3 days, the id is already there with them from before its not even the first time that I made a payment to my brother this month and they have already, fraud checking for my brother, 5 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. For mobile transactions funds will be paid to receivers XXXX account provider for credit to account tied to receivers mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions. They are trying to hide behind this clause but there were no regulartory issues related to ID and fraud, they already had my brother 's id from a prior transaction which they can link to this transaction because this is 2024 and there is no fraud its my brother they dont need 5 days for this
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

During the pandemic XXXX XXXX closed my open accounts that did not have any missed payments on my XXXX XXXX card. XXXX XXXX has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
XXXX XXXX placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent