davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. XXXX Equifax my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DC)

In XXXX I received a letter from Southwest credit saying I owed money on an old XXXX. 

I recognized right away that this was a debt that belonged to my former employer. 

Several years ago I, as an employee of a nonprofit, opened a business account with XXXX. 

The account was always in the companys name and attached to its tax ID. It was never in my name or attached to my social security. I merely put my name down as the account contact. 

I left the company in XXXX. 

In XXXX, I got an email to my personal account about the debt. It was for the same amount I am being shaken down for now. The email was clearly marked as a debt belonging to the company. It did not have my name associated with the debt. I forwarded the email to the company. 

A year later, in XXXX, I got another email from a different debt collector also clearly marked for the company and not for me. I sent that to the company. They then assured me that they had resolved the matter. 

Now, in XXXX, the same debt has resurfaced only this time the new debt collector is saying that I personally owe the debt. 

To repeat, the exact same XXXX  account ( I checked the account numbers ) that debt collectors have been trying to collect on has now shifted to me personally. 

I think what is going is that the debt collector bought the debt for pennies from XXXX and realizing the statute of limitations has run out on the company ( it has been four years! ), they are now trying to scare me into paying because they found my name on the account. This is despicable. I have worked my entire life to protect my credit and now a debt collector can contact me with a very real threat of ruining my credit if I dont pay a debt that a ) the former employer insists was resolved and b ) was never mine to begin with. 

I have asked Southwest to send me the bill twice. I asked in writing in XXXX. I asked over the phone in XXXX. I went to their website and filled out a form requesting a copy of the bill in XXXX. I have done everything I can to get them to prove to me that this is MY debt yet they refuse to be forthcoming.
Consumer complaint received 2024-02-17
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: CITIBANK, N.A. (LA)

I paid {$1000.00} to have artwork restored, matted, and framed. After not hearing from the merchant, I called her on XX/XX/year>, to discuss the status of the project. She let me know that she was not able to frame it because she could not restore the print, but that I could pick it up and discuss it on XX/XX/year>. Upon seeing that the artwork was only pasted to a posterboard and that I would not receive a custom framed image with glass and hardware to hang it as I paid for I requested a refund from the merchant. She said she could not provide it because I am a small business and I do not give refunds. 

Upon leaving the business with my unframed artwork without the services that I paid for I filed a dispute with Citibank on XX/XX/year>, because the merchant refused to provide a refund. The Citibank investigation, or lack thereof, concluded with me being liable for the charge. The merchant claimed : - That because I made XXXXhree other transactions that are not being disputed, there is proof that this transaction is valid. 
- I paid for the goods when I received them so there should not be any concern regarding the goods/services not as expected. 

The first claim is irrelevant because I am not disputing that I approved the charge. I am disputing that the services were not provided. I am not disputing those additional charges because the services for those were provided as expected. 

Also, the claim that I paid for the goods when I received them from the merchant is a lie and in no part factual. This is why the charge was authorized. All the charges were paid before receiving the goods, which is why there is a 49-day delay between the purchase and the dispute. I disputed the charge on the day I received the unframed artwork and the services were not provided. 

I have supplied documentation, photographs, and other evidence as to why the services were not provided. Citibank failed to investigate and to provide a reasonable response as to why the dispute was not resolved accordingly when the merchant did not provide the service and could not provide evidence of the service. 

Rather, during a phone call I was offered a {$150.00} account credit with no explanation as to why. Why would Citibank offer a credit if they believe I am at fault for the charge? I refused the credit because I would not accept fault for the transaction when services were not provided. The representative then tried to dissuade me from filing a complaint with the CFPB. 

Citibank is failing to investigate fraudulent charges beyond the merchant 's response and automatically siding with the merchant even if there is no proof of services provided.
Consumer complaint received 2024-02-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: VW Credit, Inc (TX)

Volkswagen XXXX XXXX said I completed a car loan application online I went to ask them about this when I found out I had a car loan out in XXXX because I received toe tag notices and that the car was behind on payments the loan was taken out in XX/XX/XXXX of XXXX tell them I did not do this he insisted I did he also said I initialed the contract which I never saw the contract and it showed anything or filled anything out for this car I did not take ownership of his car the co-borrower took position of the car I do not have keys to the car now I have a loan in my name at Volkswagen credit
Consumer complaint received 2023-04-28
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. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXXXXXX XXXX Balance {$1400.00} XXXX XXXX, IN XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$380.00}
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 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. 

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$6000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-06
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. (CT)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX, XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  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 XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights XXXX 

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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

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

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

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

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

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

"
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

There is a debt appearing on my credit reports with multiple agencies for {$730.00} which does not have any information regarding the original creditor and I have no idea who it is, and believe it is inaccurate. I hired a service to fix this but they were not successful so now I am attempting to remedy it myself. This is one of several issues with my credit report, as multiple debts exceeding 7 years appear on my report and negatively impact my credit score, where I have not missed a payment nor had any negative financial issues in recent years however my score is very low due to all of the inaccurate and old information appearing on my report.
Consumer complaint received 2024-08-06
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and andSSNCard.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my dissatisfaction and concern regarding the second unsuccessful attempt to expedite the removal of fraudulent items from my credit file. Despite my continued efforts and the urgency of the situation, the fraudulent entries persist on my credit report, causing significant distress and adversely affecting my financial standing. 

I understand the importance of promptly addressing and rectifying fraudulent items to safeguard my creditworthiness and financial well-being. I have previously submitted identity theft affidavits, police reports, and supporting documentation to expedite the removal process. However, it is disheartening to note that these efforts have not resulted in the desired outcome, and the fraudulent items remain unresolved. 

The persistent presence of these inaccuracies continues to hamper my ability to secure credit, obtain favorable interest rates, and manage my financial affairs effectively. 

I urgently request an immediate and thorough reinvestigation into this matter with a commitment to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and promptly correct the fraudulent items. 

Failure to resolve this matter expediently may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX } XXXX XXXX XXXX XXXX, California XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX