davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX alleges that I owe {$740.00}. This information is false and inaccurate. I have no account with XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXX XXXX XXXX I requested debt validation from XXXX which I never received. Therefore XXXX is in violation of federal laws.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have repeatedly submitted complaints and disputes about the inaccurate and fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

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 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (TX)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and XXXX
Consumer complaint received 2024-02-13
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)

Transunion, XXXX, and XXXX continue to report that I owe a debt that I do not. This alleged debt has been paid since day one by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.
Consumer complaint received 2024-03-23
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : ONLINE INFORMATION SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-08-08
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
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. (IL)

XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX Cred Card account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX XXXX refused to investigate properly and correct the erroneous information.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from Equifax and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX XXXX FOR THE AMOUNT OF {$470.00} 2. XXXX FOR THE AMOUNT OF {$520.00}
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CO)

I opened a savings account with Credit Karma but eventually decided to liquidate and close it months ago. Yesterday they pulled {$1200.00} out of my account without warning or authorization from me put it into a new savings and spend account ( their version of a checking account with a debit card I didnt ask for and dont want ). I tried to intercept the {$250.00} and pull it back and I dont think it worked. Im still waiting on the {$1000.00} to come into their account to try to intercept but its still pending on their end even though its not in my personal checking account anymore. As I was sitting on hold with credit karma all these weird amounts were taken out of my account to different peoples XXXX XXXXXXXX ( screenshot attached ). I initiated none of this. Someone has access to my account and theyre sitting there waiting and watching and controlling all of it so its not traceable. Ive disputed it with my bank but they cant do anything right now because theyre pending charges. I chatted, called and emailed Credit Karma to see what they could do and they basically said they cant do anything either even though its all coming through their app into their accounts I didnt authorize or consent to having that was still somehow attached to my bank account and then being pulled out by random XXXX XXXX  accounts in random amounts. Theres something fraudulent happening through their app with these accounts and theyre refusing to help or do anything. Theres no protections or features they offer to prevent something like this but unfortunately theres no way for you to know that until it happens. Its unethical at best and illegal at worst what theyre doing and how unhelpful and apathetic they are for their app being a vehicle for theft and fraud.
Consumer complaint received 2024-03-22
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. (TX)

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been 3 months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NRA Group, LLC (VA)

Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " XXXX XXXX ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was National Recovery Agency XX/XX/XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in Virginia, and I can provide receipts for the last 8 years. Then the last one was National credit adjusters XX/XX/XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was giving birth to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Inter-America Finance Corp. (TX)

XXXX XXXX XXXX, A Texas XXXX XXXX and Brick and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Consumer typing on XXXX Search XXXX loans XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Consumer via Algorithm .... Loans ... word typed is via internet Loan companies of XXXX different online Loan Companies re directed to XXXX XXXX XXXX XXXX local XXXX XXXX XXXX XXXX XXXX call them or apply @ store. The XXXX XXXX XXXX XXXX, TX store in person will usually deny consumers via a Prejudicial Profiling bullying XXXX official tactic face to face. They say XXXX will he mailed denial letter in 10 days. The XXXX employed at said store refuse to show XXXX any info they are in possession of on their computer monitors at time of denial in person. The XXXX XXXX XXXX tell XXXX must wait 6 months to re apply. Loam Funding via XXXX XXXX XXXX XXXX in Texas, XXXX XXXX XXXX come from XXXX verified often cash investor sources aka " dark money ''. XXXX XXXX XXXX often dba 'd with multiple Texas XXXX stores investor/owner/TX State Comptroller licensing and XXXX # wise so there 6 months Loan denial to re apply policy is " data brojeraged/sold '' to other Franchised Loan/title XXXX loan Licensed Texas XXXX Stores Online/Brick and Mortar. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Businesses allegedly share and sell Consumers living in XXXX XXXX XXXX XXXX, TX XXXX XXXX brokerage XXXX Credit scores, Registered Voting Districts, Criminal Records, Pawn Shop info XXXX he XXXX XXXX Cobsumers XXXX XXXX XXXX, XXXX 's Pawn Shop, XXXX XXXX, XXXX Anerica Pawn, First Cash Pawn in Texas along with above XXXX XXXX XXXX said XXXX Info to Local Law XXXX XXXX Officers and US Federal XXXX XXXX XXXX XXXX. In Support of all Police I think Police XXXX and XXXX Federal are Victimized as well as Consumers XXXX above said Loan/Pawn lenders in XXXX XXXX XXXX XXXX Texas and XXXX XXXX Texas XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is violating my rights as a consumer. I have multiple occasions given them notice that they are reporting unverified, unvalidated, inaccurate, incorrect information to my credit reports, credit files, data bases, and affiliates of Experian. By continuing to report this inaccurate, unverified, unvalidated, incorrect information ; they are willfully violating my rights. 15 USC 1681 ( a ) ( 4 ) says There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By not protecting my privacy, and choosing to not delete the requested name identification numbers XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX after written and verbal request had been received, they are in dishonor of their grave responsibilities. By choosing to ignore, and not delete ; the inaccurate, incorrect, unvalidated, unverified, incomplete information that is reporting on my files. They have had opportunities to remedy these issues and have refused to act. 

I previously requested on this information be deleted on XXXX / XXXX / XXXX by letter XXXX / XXXX / XXXX by letter XXXX / XXXX / XXXX by phone, spoke with supervisor XXXX / XXXX / XXXX by letter The documents I have attached to this complaint prove that I have previously disputed this information. Before and after the results of these request the inaccurate information is still reporting and is still currently reporting. 

Credit Report # XXXX is after speaking with supervisor on XXXX / XXXX / XXXX Name Identification Numbers still Reporting XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX Credit Report # XXXX on XXXX / XXXX / XXXX after dispute results Name Identification Numbers still Reporting XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (NY)

After i put in a dispute with Credit Karma money who claimed that they were investigating my money that was stolen from my account after my account was hacked on XXXX. I waited a XXXX  and the fraud department did not keep me up to date with what was going on. Next thing i know I got an email from them saying " we have completed our research regarding your dispute and have determined that no error occured. Regulation E only covers unauthorized electronic tranactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. Please be aware that you have the right to request copies of the documents that we used to make our determination. we apologize for any inconvenience this situation may have caused. Please feel free to contact our Customer service department at XXXX. They also after sending me this in an email they closed my money account which removed the trail of the fact that the person hacked my account, so when i log into credit karma my money account is no longer there and this was done without them getting my money back. I had called today and they are suppose to be doing another investigation which i have not gotten any emails or communication about. This seems like an inside job because everytime i called them in order for me to move further with them they required for me to send them a picture of the front and back on my drivers license and take a picture with me holding that which they said this is their way of verifying that they are indeed talking to the user on file. When i told them i dont feel comfortable doing this they did not seem to care and did not want to help me unless i do this through some link they sent me to upload my documents.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA. 

the account is : Bank Of America {$47000.00} XX/XX/2023 I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-03-19
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. (MD)

It has been discovered in my research with 3 credit bureaus, the law 15 USC 1681 section 602 -604 and XXXX that violates citizens privacy rights. XXXX XXXX XXXX and others are reporting false inaccuracies into my privacy rights during times where Ive placed freeze holds on all 3 credit reports bureaus. I have never given authorization or consent to share private information for these business owners. End excessive marketing my good name for promotional purposes content i.e. advertising investors, traders insurance brokers like XXXX XXXX etc. Its against the law for them claiming false narratives that affected my credit reports as well as dropping the score via XXXX XXXX XXXX score propriety. This is a violation of civil rights. These people caused distress affecting my reputation and disrespected my liberties in retirement. XXXX XXXX XXXX and Experian credit match made inaccurate statements to creditors banks lenders that resulted in damaging credit files exposing number of days delinquency when payments were on time ; and too few accounts currently paid as agreed ; length of time revolving 2 accounts balances late payments w/XXXX XXXX derogatory events ; bankruptcy information ; delayed scheduled payments, retail utilization.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation (TX)

I made a payment on my XXXX credit card on XX/XX/, but payment was sent to wrong bank, which refused payment. I realized this and made another payment of XXXX the next day. The first payment of XXXX was returned and reflects that on statement. Statement also shows a returned payment of {$2200.00}, which was total of my account. This amount was added onto my balance, which doubled my balance to {$4400.00}. At no time did I make a payment of {$2200.00}, nor make any purchases for that amount. I've called XXXX 5 times to get this taken care of, and was always referred to different persons. During the last 2 phone calls, I was sent to 6 different persons. None could help, and I was told the only person that could help me was OneMain Financial. I called OneMain and was told they have nothing to do with the credit card. The also over charged me interest in the amount of {$74.00}, which is twice the amount I paid last statement. Please help!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.