davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (PA)

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 3 credit bureaus 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 deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXBalance : {$1700.00} XXXX  XXXXBalance : {$160.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted my FTC report to Transunion on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough that transunion has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows that transunion has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX account XXXX are violation my rights, XXXX  XXXX are violating my rights, XXXX are in violation of my rights. which shows that the companies named in this complaint as well as transunion are all violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( XXXX, transunion and XXXX  ). I have in fact been a victim of the XXXX security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get transunion to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have transunion do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the ****** you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC ****b ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC ****e ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC ****a ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC ****j. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC ****g , therefore you are not only using unfair and deceptive practices under the ***** which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an 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
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I canceled a subscription for a product that I did not want. They sent it anyway, I returned the product immediately via usps with required signature upon delivery. They did sign and accept the product. 

They still took the money from my checking account. I went to my bank and showed them the proof of delivery and acceptance of their product. The bank refuses to get my money back from this corporate company. The bank is siding with this greedy company and not defending my rights as steady customer who is in his right with out standing proof. 
They are both crooks for steeling my money outright!!
Consumer complaint received 2023-05-23
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. (VA)

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 2023-03-04
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. (TX)

A recently deleted account was illegally restored to my TransUnion and XXXX credit file. I have challenged this debt to both credit bureaus with supporting documents. XXXX has taken responsibility for their inaccurate reports. However, TransUnion conducted a 4-day investigation. A thorough investigation will take approximately 30 days to determine the validity of the account. According to a representative of TransUnion, this led to an investigation. That takes a long time. The credit agency would undergo correspondence with the collection agency and the original creditor, to gather supporting documents. So, I don't think there ever was an investigation. On XX/XX/2022, I sent another letter to TransUnion asking how the account was verified and what documents or contracts were used to consider this account verified. I received a letter from TransUnion that said, " I don't understand the nature of this letter. '' Standoff tactics. I will attach the XXXX and TransUnion reports. Which contains several inaccuracies and inconsistencies. " Supposedly '' this account was verified, I don't know how. If so, where's the evidence proving this account as valid.
Consumer complaint received 2023-04-12
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX DBA 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 XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$640.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; MEDICAL XXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ;
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

I've tried logging in to my account several times to check my balance and make a payment but their system won't allow me to log in. It takes me to a page explaining my tax information and that my loans are being transferred to a new servicing platform but will still be handled by MOHELA. I tried reaching out to them but in order to submit a concern, you need to log in. The irony is thick. For such a large-scale public loan service, they sure drop the ball a lot with their methods of communications.
Consumer complaint received 2022-09-07
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. (FL)

I contacted Experian for a fraudulent address that XXXX XXXX reported to them. I have disputed the fraudulent activity from this collection agency, XXXX XXXX, several times with you CFPB and Experian. FYI I use to work for XXXX XXXX under the law firm XXXX XXXX XXXX. I am been XXXX  and sabotage repeatedly by this company XXXX XXXX managed by XXXX XXXX XXXX. XXXX XXXX is utilizing my past employment information to consistently stalk and XXXX me. I was a XXXX XXXX for this XXXX XXXX for almost a year and they never Once confronted or confirmed this alleged debit while I was working there. However ever since I quit XXXX XXXX XXXX, due to the hostile work environment I have been continuously XXXX  by this company, XXXX XXXX managed by XXXX XXXX XXXX. I will also be contacting the FTC. 

When XXXX XXXX first reported this account in XX/XX/2022 they alleged they sent debit validation to my associated address in XXXX XXXX. Now in XXXX they are applying another address in XXXX to my credit report. Please stop this fraudulent, XXXX activity.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX " Picked up at a postal facility at XXXX XXXX  on Tuesday XX/XX/2022 '' Dear TransUnion, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX XXXX  on Tuesday XX/XX/2022, I am now XXXX  that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Name & Account Number ( According to Consumer 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 XXXXXXXX Pursuant to 15 U.S. Code 1681c2 ( a ) : TransUnion 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 ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME.

15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-30
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. (TN)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( 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 following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-09-07
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: Bread Financial Holdings, Inc. (CA)

Re opening Case # XXXX Please see enclosed documents, I have the right to dispute for the bad service/service not rendered. Enclosed again is a copy of falsified receipt that Comenity honored rather the real receipt that I keep sending them, but they keep ignoring. 

Comenity never took my dispute seriously, see enclosed bunch of letters from them that keep asking me to send a proof. Take note of the dates. I have been disputing this from day XXXX, XX/XX/2021. They not once acknowledged my evidence and my right to dispute for " BAD SERVICE/SERVICE NOT RENDERED '' The FAIR CREDIT BILLING ACT- gives you the right to dispute charges in case you are dissatisfied with the transaction. 

FEDERAL TRADE COMMISSION states that you have the right to dispute charges that weren't delivered as agreed- WRONG ITEM : AGAIN : SEE ENCLOSED RECEIPTS.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX credit card has been paid off, please have XXXX XXXXXXXX update this information on my report the balance is laid in full, it needs to reflect a positive status, im filing this complaint to have XXXX XXXXXXXX update my report and change from negative to positive, the balance is zero balance nothing is owed anymore ok this card
Consumer complaint received 2022-10-22
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: 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 XXXX XXXX XXXXXXXX... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$10000.00}