davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, and XXXX the same debt has reopened via Experian by a company named XXXX XXXX. This has been resolved over lengthy processes costing me money and time. The account claim has been reopened as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I have reached out to the credit bureaus to remove an address based in New York associated with the fraudulent activity. I have never lived in that state and have already provided all the proof previously for this account. 

I repeat, this account and address has been addressed 3 times and twice closed for fraudulent activity. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX keeps getting new collection agencies to reopen accounts.
Consumer complaint received 2023-07-07
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (NC)

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 XXXXXXXX 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 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX C Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2017, I was advertised an offer by Amex on my user portal to upgrade my Premier Rewards Gold card to a Platinum card with a XXXX point bonus after spending {$5000.00} in the first three months. I was approved for the card and spent {$5000.00} in the first three months without receiving the bonus points. Thus, I called American Express in early XX/XX/2017 to inquire about the lack of points showing in my account. The sale representative put me on hold and then confirmed that I did meet the spending requirements for the bonus points. She escalated the issue to the marketing team to investigate. I called 6 times in XXXX and XXXX to check in and, eventually, the marketing team said that I was never targeted with the promotion which is fraudulent and untrue. The promotion is not a targeted promotion and a sales rep confirmed that anyone who applies online for this card is eligible for the promotion. I was scammed out of XXXX points with American Express when I met all of the guidelines to receive this general promotion. I continued to contact the company for months afterward with no resolution. The company misled me and representatives lied about why I didn't receive the points. Different sales representatives would give different excuses - eventually leading to completely ridiculous and invalid explanations. The offer is a general offer for anyone who applies online - an Amex representative confirmed this - there is no reason why I shouldn't have received the bonus offer.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.
Consumer complaint received 2023-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (MS)

I happened to look over my credit report, and received a report from each credit bureaus stating I owe PenFed. Acct # XXXX. It states the account was charge off, but I never received a 1099c from PenFed. I been trying to get a XXXX099c from them to insure the account they accusing me of is charge off.
Consumer complaint received 2023-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (PA)

I co-signed for my daughter to have an operation. She was evidently making payments, but she encountered some problems and stopped paying. She was entered into a long-term drug rehabilitation center and stopped paying CARE CREDIT ( Synchrony Bank ) . I was never informed of this ; however, I was receiving mail for her from Care Credit. I opened the mail since she could not be contacted at that time. I saw that she was delinquent. I called Care Credit and made arrangements to pay the account off with three equal payments of {$370.00} and a final payment of XXXX. 
I added this plan to my Bill Pay with XXXX XXXX to comply with the agreement. XXXX XXXX sent the payments on time as agreed and forgot about that account. Care Credit never contacted me after the agreement. 
I applied for a line-of-credit with XXXX XXXX, and they turned me down because the credit bureaus reported a chargeoff with Care Credit. I investigated this and found that they had received all the payments, but only credited one.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my privacy and confidentially under 15 U.S.C 1681. 


Account name- XXXX XXXX XXXX XXXX XXXX ... My transunion credit report states I wasn't delinquent in XX/XX/XXXX but experian credit report is reporting a 30 late payment in XX/XX/XXXX. In XX/XX/XXXX, transunion credit report states i was late 30 days but experian report, reports was 60 days late. My last payment on this account was XX/XX/XXXX. Both transunion and XXXX reports a final payment of {$370.00} but but both reported that i was 90 days late. All of this info is inaccurate. 
XXXX XXXX  # XXXX ... My transunion credit report states I was 120 days delinquent in XX/XX/XXXX but experian credit report is reporting a 150 day late payment in XX/XX/XXXX. In XX/XX/XXXX, transunion credit report states i was late 120 days but experian credit report 150 days late. All of this info is inaccurate. 
XXXX XXXX XXXX # XXXX... Transunion credit report, reports maximum delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX but experian credit reports reports delinquency payments of 30 days in all of these following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All this info is inaccurate. 
XXXX XXXX XXXX... Transunion credit report, reports maximum delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX and but experian credit reports reports delinquency payments of 150 days in XX/XX/XXXX, not 120 days delinquency. In XX/XX/XXXX experian reports shows 90 days late not XXXX. This info is inaccurate. 
XXXX # XXXX... Transunion credit report, reports maximum delinquency of 120 days in XX/XX/XXXX but experian credit reports reports delinquency payments of 150 days late in XX/XX/XXXX. In XX/XX/XXXX transuion reports a 120 day late payment history but experian reports that this account was in collection in XX/XX/XXXX All this info is inaccurate.

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 may make any consumer report containing any of the following items of information. Any other adverse item of information, off than reports of conviction 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 consusumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-19
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. (AZ)

I submitted disputes to Experian, XXXX XXXX, XXXX on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXXXXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.
Consumer complaint received 2023-04-28
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Ive notified these credit bureaus XXXX XXXX and Equifax, several times, and let them know that these specific items from XXXX XXXXXXXX XXXX  and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello There are so many hard enquiries on my consumer report that I do not recognize Such as Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

I needed an address removed from my credit report, and Experian said I could do it only by having a membership for credit watch, paying {$1.00}, and canceling after. However, my username and password are no longer the same, and I can't even log into my credit profile, yet on XX/XX/XXXX, I was charged {$21.00}, less than a week. I phoned them and asked to speak to a customer service agent and was told that was an invalid request. Mind you, the address in XXXX, Arizona, which I phone to have removed less than a week ago, is still there since I can see it from my XXXX XXXX report. I will dispute the charge with my credit union, but these credit bureaus are a disgrace ; why should I have to pay for something to be removed when it was found on the black market from the XXXX breach? I attached the site where it tells me the sign-in is wrong; well, it worked just fine four days ago. If I call and ask for customer service provide someone to speak with. it's bull.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 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 is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of XXXX5 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.