davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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: EQUIFAX, INC. (CO)

Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019XX/XX/year>
Consumer complaint received 2024-03-16
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. (MD)

In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXX XXXX, which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX XXXX On XX/XX/2023 I received a payment from XXXX XXXX in the amount of {$1500.00}. On XX/XX/2023, i initiated a full refund to the sender. Instead of refunding the buyer the payment she sent, paypal took the refund out of my bank account because I did not provide my ssn. I went ahead and updated my ssn. The money is still being held. Basically paypal refunded the sender her payment with money from my bank account while holding the payment she sent me. 

Im requesting paypal to deposit the money back to my account.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have disputed the late payments on this XXXX XXXX XXXXXXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Comenity Bank/ XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2022-10-22
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. (AZ)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account Number XXXXXXXXXXXX, Open Date XXXX XXXX, XXXX, Credit limit : {$1500.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC (FL)

FINANCIAL CONTROL SERVICES XX/XX/2017 Address : XXXX XXXX, TX XXXX Phone : XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FINANCIAL CONTROL SERVICES or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FINANCIAL CONTROL SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2024-03-17
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: EQUIFAX, INC. (FL)

Hello, I tried to dispute this online. Im unable to do with Equifax. This information is too old to be on my credit report. XXXX XXXX and XXXX deleted it. Please delete it thank you. Im unable to dispute through the portal.
Consumer complaint received 2022-11-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name US DEPT OF EDXXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate. 

The response on XXXX for 60 days of completeness is not correct the company has 5-30 days for completeness 15 U.S. Code 1681i - Procedure in case of disputed accuracy W15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. C The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
r reseller. ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : 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 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 the information is inaccurate
Consumer complaint received 2024-03-17
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: EQUIFAX, INC. (LA)

dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2022-11-28
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. (NY)

Experian, XXXX and XXXX are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (AZ)

My direct deposit has been held by chime bank. They have record of the deposit from the IRS and say they can't release my funds due to their system being down recently and the deposit going past the expiry time. I've sent them confirmation of the deposit being sent to them and another document showing my entire tax return. They still said they basically can't help me until it's figured out by their team. My bills are now late, my truck payment is due in 5 days and i have XXXX dollars sitting in limbo somewhere.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed for pandemic unemployment assistance around XX/XX/2020. I received my debit card in the mail on XX/XX/2020. I made several charges using the card on the day of XXXX, but was hospitalized for a XXXX in my XXXX XXXX XXXX on XXXX. My house was burglarized while I was admitted  to the hospital. My personal belongings ( cell phone, wallet, ID, SSN card, car keys, tools etc. and identifying information were stolen. I filed a police report to document the burglary. My XXXX account was hacked and compromised, presumably by the burglar. I was unable to verify my ID or regain access to my cell phone service ( and consequently, 2 factor authentication for my XXXX account, XXXX and related accounts ). I assumed incorrectly that the burglar would be unable to certify for benefits and that my money would be safe, until I received tax documentation showing that almost {$30000.00} was disbursed to my account over the course of the pandemic, for which I am legally liable, despite having never received them. I have filed identity theft affidavits with the IRS, FTC, and all three credit agencies. I have several accounts on my credit report that were opened fraudulently, and disputes are ongoing. I attempted to contact Bank of America in order to dispute the fraudulent charges made to my account. The customer service agents I spoke to ( over half a dozen calls, at least an hour long each ) incorrectly filed my dispute as two separate disputes, and for the wrong amount, omitting almost {$10000.00} of transactions I told them explicitly were fraudulent. The claims, which were defective in the first place, were ultimately denied despite the preponderance of evidence showing the charges were fraudulent. I have also attempted to have a new debit card mailed to me so that I can access the remaining balance on the card, and despite receiving emails showing that my card had been mailed, i never received it. I called two weeks later and was informed that there is a block on my account and that I would have to verify my ID in person at a local branch. However, I was able to verify my ID multiple times ( 10+ ) while filing the disputes, answering security questions, etc. Suddenly they are unable to verify my ID. My attempts to escalate my calls have been answered by customer service reps hanging up the phone on me multiple times, requiring me to completely start over the process of filing the claim multiple times. I have spent a ridiculous amount of time on the phone with bank of America for nothing. I have a valid ID.me account that they refuse to accept as valid identification despite having used the service in the course of verification for XXXX in the first place. Bank of America has, in effect, allowed fraudulent charges to be made by another individual, which I am explicitly protected from by the terms and conditions of my account.
Consumer complaint received 2024-03-17
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. (AR)

I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as Equifax and XXXX, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. Equifax, XXXX, XXXX, and all relevant entities must uphold their obligations under these statutes.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 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 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 2022-11-28
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. (GA)

Ive communicated with ( XXXX, XXXX, and Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account : XXXX XXXX XXXX XXXX XXXX To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

n accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Consumer complaint received 2021-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent an electronic dispute request to have a few accounts removed from my credit report where I am listed as an authorized user only. One is showing with XXXX XXXX XXXX and the other is with XXXX XXXX XXXX XXXX. 

Nothing has been done to have these accounts that I am not responsible for removed from my credit report. It has been well over the allowed 30 day period and I need to have this resolved.