davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (IA)

I have been a victim of identity theft while in a coma. I suffered from amnesia as well for the last year. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. 
All three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO " VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHED 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. (IL)

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, 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 or 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 2022-12-05
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: Experian Information Solutions Inc. (PA)

I have recently reach out to XXXX XXXX on my behalf that they had closed my account they verify that the account was fully closed but they continue with the harassment they recently stated that my account was closed but send me a letter stating that my dispute towards them was falses and that it doesnt hold weight as a consumer they are violating my consumer fair credit reporting act rights this account was removed from XXXX and I would like to be removed from XXXX and Experian as well this company just like to take advantage of there customers and then violate there consumer rights
Consumer complaint received 2021-01-02
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. (FL)

For months I have made the decision to work on my credit report since XX/XX/2020 I have been sending letters to the credit bureaus to eliminate accounts reported in an erroneous way and I have been ignored, my right to a fair credit has been XXXX. I have not received a single letter at my residence from the credit bureaus.
Consumer complaint received 2022-11-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : XXXX
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

We made a purchase on a store card XX/XX/XXXX with insurance for the items. We made an insurance claim XX/XX/XXXX and paid the insurance deductible of XXXX on XX/XX/XXXX. We made an instore purchase shortly after using the insurance credit at the store. The store manager was unsure how to use the insurance credit but told us they will figure it out. In XX/XX/XXXX the chair was delivered and we were charged XXXX on our store card instead of the insurance credit. We called the store XX/XX/XXXX and the store associate said they saw it should have gone to the insurance credit and will have the store manager call us. The store manager never called us, we called the store manager XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no luck. The store manager kept ducking us. We then disputed the charge on mysynchrony. They denied our dispute stating the purchased items arrived at our house. They did not provide any further information or a receipt. We never authorize a charge for this on the store card.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (KY)

Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.
Consumer complaint received 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Consumer complaint received 2022-11-04
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. (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.. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}.
Consumer complaint received 2022-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I submitted a complaint ( # XXXX ) on XX/XX/2022 that I couldn't get a hold of a representative from Experian on the phone using the phone numbers they provided. They sent me a letter which I attached to this complaint which sounds like they're not going to verify this item on my credit report. Just because they choose not to, they want me to send them the same information that you already forwarded them through my complaint. I am sending them out today certified paper copies of the same information they already have. The courts do not report to them which is attached to this complaint and I do not give anyone permission to put out or sell unverified information about me. XXXX is their furnisher who I opt out of in XXXX that confirmation letter is attached to this complaint as well. But Experian says this item ( ID # XXXX ) was verified in XXXX. Either this is a mistake or a lie, someone should look into their verification process.
Consumer complaint received 2022-11-04
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. (NY)

Accounts listed below must be removed ( XXXX XXXX ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY Experian Information Solutions Inc . 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
Consumer complaint received 2022-11-04
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. (NY)

Accounts listed below must be removed ( XXXX XXXX ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC . 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
Consumer complaint received 2022-11-03
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. (PA)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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 or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, 2 unauthorized transfers out of one of my Bank of America accounts occurred : total of {$7900.00}. 
One to = XXXX Transfer Conf # XXXX {$1900.00} The second to = online bank transfer Conf # XXXX = {$6000.00} I immediately informed BOA that I was hacked ; changed all my passwords and put in additional fraud protection. My BOA case number is : XXXX. 
They said they would do an investigation, and give me temporary credit 2 weeks after, They have since DENIED my wire transfer fraud, accusing me of giving my password to someone. 
I HAVE never given my BOA password to anyone. I have been a BOA customer for over 40 years, and currently am a Platinum customer. At the time of the wire fraud, where clearly someone hacked my account, I had approximately {$300000.00} in BOA ; different accounts. MY BOA local manager, XXXX MA. has called BOA and vouched for me. 
I work at home, and never take my computer on the road. My home has never been robbed. I am XXXX year old XXXX XXXX. Married 40 years. 
A BOA analyst, whom made this decision, called me last Thursday XX/XX/XXXX and accused me of giving out my password. She was very accusatory, aggressive and I feel PREJUDICED against me. I asked to speak to her supervisor, she would not let me. I explained I had been hacked clearly - and asked her what did BOA find out about the 2 felonious transfers? Whom did they go to? She would not give me any information. 
I feel BOA, instead of looking for the criminals - is trying to steal my {$7900.00}. 
Please help me get my money back. 
Thank you
Consumer complaint received 2024-04-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX collections Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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 written instructions
Consumer complaint received 2022-12-07
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. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (PA)

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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 or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Consumer complaint received 2024-03-27
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. (NM)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Upstart Holdings, Inc. (NY)

On XX/XX/XXXX, XXXX XXXX did a quarterly review and lowered my available credit balance significantly hurting my score. This was unfair as I have a great credit history. This was done because of disputed information on my credit report which is not fair to use. On my credit report it is noted the derogatory marks are being disputed and are inaccurate. For XXXX XXXX to use inaccurate information is discriminatory and unfair to me. The loan company notified me that the derogatory marks will be removed as they are inaccurate. For XXXX XXXX XXXX bank to use this information is unfair.
Consumer complaint received 2022-11-03
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. (CA)

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the XXXX validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I applied for a credit card online with Dicks Sporting Goods which Synchrony Bank issues. I received today, a denial from Synchrony Bank stating that the request was denied for the following reason ( s ) : Unsatisfactory payment history with Synchrony Bank. I currently have numerous cards with Synchrony Bank and show ZERO delinquent payments. I called Synchrony 's customer service and spoke with five different representatives that can not find what generated this letter. After being transferred to 5 different customer service representatives in which each was unable to help me, I have decided to fill out this complaint form with your organization to help me find out any problems with my account that generated this denial letter.