davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I HAVE CALLED EQUIFAX FOR WEEKS NOW RECARDING A LATE PAYMENT BEING POSTED TO AN ACCOUNT THAT HAS BEEN CLOSED SINCE XXXX. THEY SAY THEY ARE NOT SHOWING ANY LATE PAYMENTS REPORTS THIS YEAR ; SPOKE WITH THE MORTAGAGE COMPANY, WHICH THEY GAVE ME A LETTER STATING ACCOUNT CLOSED AND NOT REPORTING ANY LATE PAYMENTS. IM TRYING TO BUY A HOUSE AND THIS IS STOPPING ME FROM DOING SO, ITS INACCURIATE INFO. 

ACCOUNT IS XXXX OPENED IN XXXX AND CLOSED IN XXXX SHOULD NOT BE REPORTING ANY ACTIVITY OR LATE PAYMENTS. NEED TAKEN OFF ASAP, PLEASE!
Consumer complaint received 2022-11-10
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TN)

Grain Technology informed me that they were changing my credit account until a loan account because they were unable to verify my identity. I paid off the account and closed the account. My credit report is still showing I closed a credit account instead of paying off a loan. I gave the company several months to change the status off the account. They recently challenged my dispute through experian.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

I was in XXXX XXXX from XXXX and XXXX XXXX is collecting on a Victoria secret credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights
Consumer complaint received 2022-11-10
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. (FL)

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 XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2022-11-10
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. (PA)

I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

This company have obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

CHASE BANK open a trust account with my social security card without my consent. Manager request for number i did not require to have as a consumer my personal information was used to open a trust account and that is a violation to my right to privacy I want to be held responsible for damages of this case of personal information
Consumer complaint received 2022-11-10
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. (FL)

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 : # XXXXXXXX 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 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. (WI)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX  XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-11-10
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. (MI)

I am writing in regards to this account still showing on my credit report- Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX Pursuant to 15 USC 1681b , I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Credit Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instructions to whom it relates. 

My character was defamed, my character, my reputation, my worthiness, capacity, and mode of living, has been destroyed. 

All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability and i demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on the right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all of your systems immediately.
Consumer complaint received 2023-09-04
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. (FL)

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 an update 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NY)

On XX/XX/2022 XXXX XXXX XXXX attempted to pay by phone on my " Avant '' XXXX by placing a call prior to the deadline time due. The duration of this call spanned over XXXX minutes and by the time an agent was able to assist me along the way since there was no automated option provided, that " deadline '' then passed. The agent then refused to credit my payment for the correct date, instead citing she can only credit it for the following day which would be XX/XX/XXXX thus placing me into a late status in which she further stated She had no means to waive any ensuing late fee or properly note the account that i had indeed called prior to the deadline in order to ensure any such fee would be taken care of. This was extremely inappropriate as it was not my fault I could not get assisted timely on their end. I then exchanged additional calls and emails since this time in effort to request this late fee be waived which was refused again and again. I do not feel I should be obligated to meet my end of the terms of this card if the provider is not meeting theirs. I informed them I would be in touch with any and all avenues to dispute and grieve this issue and they showed XXXX regard for me as a consumer. I should be immediately relieved of any associated fees, accruing interest, and negative credit remarks that XXXX have transpired in lieu of their negligence. For the record my minimum due payment was just {$25.00} which again I would have been happy to pay as always, however I am not about to pay double that amount when being charged a fee I do not deserve. Nor will I willfully make any further payment to this despicable company, until this matter is resolved. I feel your organization as well as XXXX as their parent provider, and also the XXXX XXXX XXXX  should all be made aware of how this company treats its consumers. Especially when this particular Credit card is designed to so called " assist '' consumers in building/rebuilding their credit portfolios, it is absurd to believe they despite knowing it was no fault of my own they could not process my payment on time, that they are so stubbornly and aggressively attempting to charge me late fees.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have used XXXX XXXX app to check my credit report or scores. In XX/XX/XXXX, I received an email that there were new accounts opened, and i went to check, there were 2 from Capital One and XXXX XXXX Bank. I have no knowledge about those cards, so i contacted the banks right away to report and closed the cards. After this, I am so afraid of there will more credits will open fraudulent, so I check the inquiries to see any new inquiries was asked without my consent, and i found some inquiries arent correct, so i called them to let them know that I didnt apply for credit cards, and if they issued the card they need to closed it now because Im under identify theft, and having problems with credits frauds. Since then, I open XXXX app to check my records everyday, and then in XX/XX/XXXX, i also saw XXXX account opened from XXXX XXXX bank, and XXXX account from XXXX that closed back in XXXX that I also have no knowledge about the account, and i can only see that XXXX acount from XXXX report. Its so frustrating me, and so i did the same thing, call the bank and XXXX to report. I also report with XXXX and XXXX. Now I just wait for them to do the investigation. This is my first time of being identify theft, so I just follow what I can do.
Consumer complaint received 2022-11-10
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. (VA)

I found out about this alleged debt when I received a call from a debt collector stating they are calling with Comenity Bank/Ikea . I filed a dispute and told them I never opened an account with this bank and company. I am being harassed by phone calls and have yet to hear a response for my dispute. I have attached and FTC Identity Report to my complaint.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have had numerous issues with XXXX XXXX over the past XXXX years, including XXXX false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. 
I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and XXXX does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, XXXX closed my account, without refunding me any of the false charges from the past XXXX years - the most notable XXXX of which this {$500.00} that was charged in a scam. The fact that XXXX keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, XXXX reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be XXXX 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if XXXX is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet XXXX is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO XXXX  AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.