davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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)

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 for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-11-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-01-02
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been with Capital One for over 2 years and started off with a secured credit card. I've been in good standing with these debt collectors and once I requested a credit increase I was denied and never received a letter in the mail for the reasons why. I called the company and the representative was not able to give me any explanations on why I was denied. As the Consumer, I have a right to my credit line and appreciate the violation of my rights ( 15 U.S.C 1692e ).
Consumer complaint received 2023-01-10
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: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX I checked my credit report and found a hard pull from 'ComenityCapital/XXXX XXXX dated XX/XX/XXXX on my XXXX report that I did not authorize nor initiate. I immediately contacted Comenity and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. on XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute on the grounds of fraud with XXXX which was denied. I then contacted XXXX on XX/XX/XXXX regarding the dispute and was told that I needed to contact Comenity to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted Comenity who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau.Currently, the inquiry on my credit report remains, as neither Comenity nor Equifax will take steps to rectify the fraudulent report.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-22
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. (SC)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/2017, I was sent a letter from Portfolio Recovery Associates claiming I owe them {$790.00} to which they reported on all 3 of my Credit Bureaus as a collection account. I later contacted the Credit Bureaus letting them know I that this account was not mine, after that I contacted the company directly in written requesting the information that they held to verify that this was an account to which I own. They only sent me an itemized letter that can easily be fabricated, nothing with my signature or an agreement to pay what they are saying I owe. No detailed payment history saying what I own the money for or how they calculated it.

I asked for the statue of limitation on the debt to which they say I owe since they are reporting it in collections, I asked for proof they are licensed to collect in the state of South Carolina along with the license numbers of their Registered Agent or Agent of Service. To which they completely ignored and only sent another bill with the same itemized letter and saying they will no long respond to my request.

They have removed this account twice now and added it back to my Credit Bureaus in different amounts, they are harming my overall credit score and blatant fraud. I wish have this issue resolved and the account removed for good this time. I am prepared to take legal actions if need be but I'm contacting you to see if this can be resolved before litigation.
Consumer complaint received 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have tried to payoff a loan for over 60 days. I keep making payments and interest or principal keep showing up from nowhere and I cant get a straight answer. On XX/XX/XXXX interest outstanding was {$1.00}. I paid it and it should have closed out the account. However on XX/XX/XXXX when I went to check it, the interest outstanding changed to {$3.00}. I called the customer service and they said they would charge it off and close out the loan. Then on XX/XX/XXXX I checked the account and it no longer had interest due but now principal balance of {$1.00}. I called again and questioned how can this happen, I was told they have a glitch in their system but it will be taken care of. I glitch of over charging and creating a principal balance from nowhere fraud! On XX/XX/XXXX I got a supervisor on the phone that changed the loan to XXXX balance due was tolled it would be paid off shortly. However today XX/XX/XXXX I check the account and it has an unpaid balance of XXXX cents. If Navient is processing payments for hundreds of thousand of student who are not paying attention to their loan, they are making a killing fraudulently.
Consumer complaint received 2023-04-13
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. (FL)

Im re filing this issue in relation to case XXXX. Transunion responded that they would delete the information i disputed and they still have yet to do that. This case needs to be reevaluated to have items deleted from my credit report. I've attached file for refence. Transunion response was " in response to your request, the following actions were taken on your credit file : Other miscellaneous actions take based on your request were : Inquiry - DELETED ''
Consumer complaint received 2023-05-15
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. (NC)

I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( Ive never worked with this employer )
Consumer complaint received 2023-03-02
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. (IL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I was newly released from XXXX  I was in from XX/XX/XXXX XXXX and Ive got out XX/XX/XXXX XXXX and I've seen some unauthorized transaction made on my debit card... I have document that shows I was XXXX XXXX  when the transaction happen .... I reported my card stolen from the bank and made a dispute when I called and spoke to customer service ppl... I fax them my release paper XXXX XXXX  but they denied me twice and I don't know why.. cause Ive showed proof of me being XXXXXXXX XXXX  The amount claim is {$1700.00}
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc. (GA)

I have XXXX XXXX as XXXX my first one is I had to unauthorized transactions that came to my account so I called customer service and she Told me that I had to wait for the transaction to complete then I can dispute them, I understand that but because I was still asking questions she would just ignore them and keep telling me theres no other information she can give me I completely understand but I was trying to voice my opinion an the situation and I was telling her I work hard for my money and needed that money that was took off my account I was just trying to get her to explain why I had to wait for it to. XXXX because thats why I was calling soon as I XXXX that the XXXX transactions came XXXX I needed Her to explain to me why couldnt the just put my money back since the money hasnt been sent to them and she just slept ignoring what I was asking her! And she closed chat in my face Now Ive been using cash app for a long time matter of fact I almost everything I do I have my customers pay straight threw cash app Ive never had any problems with yall and love using your business app but I dont like treated as if I was bothering them I work hard for my money and I who ever Im using for my transactions I want them to focus on me about my money and answer every question I got until I understand whats going on I dont want to be dismissed like XXXX XXXX it their problem and then end chat in my face someone else come after and did the same thing to me I guess Im gon na just use my bank now on at least they take time to listen to me no matter how how many questions I ask!! Its my money and Im want cash app to treat me and my money that Im trusting them to keep it safe like were important not some bum off the street! Im so XXXX XXXX trom the disrespect I was shown
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I received an alert from my back regarding fraudulent activity from Cash App ( sub-name XXXX XXXX ). I spoke with my bank, locked my card, and contacted Cash App. They refused to even let me finish, and refused to engage. They were unwilling to be involved in the fact a user was using my card information in an illegal manner. I was hung up on when I indicated I would be recording the conversation after they got hostile.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by Transunion, XXXX and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX XXXX XXXX XXXX ( Acct # XXXX )
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Lvnv finding has a collection account on my credit report that is definitely not mine and.ive disputed this account several times with my credit bureau and they e told me to file this report if the results of the credit account are the same after being disputed. Also I have no proof that this account isn't mine because I can not have proof of it not being mine if I never opened the account to begin with.
Consumer complaint received 2023-05-10
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. (FL)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable. Consumer law requires to make sure that all claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements. I am requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.