davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I had a car that was totaled an my insurance paid it an I had gap insurance the car got paid for an they have put it on my credit XXXX  had it removed from XXXX an XXXX but experian is saying they investigated it but clearly they didnt because they removed from the other ones so why can they not find out that it is false information
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information 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.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2022-05-22
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MS)

I have previously filed a complaint with the Consumer Finance Bureau, in which you stated that another person is listed as the responsible party. However, this responsible party is my brother, not me. In addition, I have not received any validation of this debt from your office like the previous response mentioned. Nothing has come into my address for me at any of the addresses listed on my credit report or the complaint with the CPFB, nor for my brother, yet I see that you have reported to XXXX  that it is verified. I have attached a letter for Sequium Asset 's that I will also be mailing to them in connection with this complaint.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including XXXX XXXX XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXX XXXX XXXX Va XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer rep
orting 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 as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX2022 Amount : XXXX Account Number : XXXX Fraudulent inquires XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

To Whom it may concern, This correspondence is in response to the complaint LexisNexis Risk Solutions Inc. ( LexisNexis ) received from your office on XX/XX/2022 on behalf of XXXX XXXX in which XXXX XXXX XXXX alleges he is a victim of identity theft. 

We're pleased to provide the additional information your office requested please view attached documents. 

XXXX XXXX XXXX sent documents LexisNexis requested to verify XXXX XXXX XXXX identity such as ( state identification, billing document, social security number, and final FTC affidavit
Consumer complaint received 2022-11-05
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. (FL)

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 XXXX student loans on my credit report. All 3 credit XXXX, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit
Consumer complaint received 2022-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Recovery Services, Inc. (FL)

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX  family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the card back .I am asking the company to forgive me and clear the debt please and take this off my credit report please in good faith.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XXXX XX/XX/2022 I initiated an ACH transfer from my Citizens bank account which was swiftly blocked by the company. I called in and they unlocked it after 40 minutes on hold. 

On XXXX  XX/XX/2022. This transfer was blocked a second time and my online access to my account was also blocked. I called them and they hung up after being on hold for 40 minutes. I called again and requested a call back which was answered again 1 hour later. Then they transferred me to technical support which hung up on me after 40 minutes of hold. 

I am not able to use this account at all right now. 

In late XXXX I opened this account with consideration of the {$400.00} new user bonus. I have fulfilled all requirements of this bonus and was trying to move over to it as my primary account. If citizens decides to close my account for no reason after I have tried my best to achieve this bonus, I would like the {$400.00} bonus along with my {$600.00} account balance in a check mailed to my house.
Consumer complaint received 2018-04-23
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: U.S. BANCORP (WA)

I have asked these companies to pull these reportings from my the bereau because they solicited my business after they told me that this would be a soft pull and said that it was only to look at the credit history even after i told them of a public record was on my file. I was decieved and think that the company should own their responsibility and remove it after one year as they told me. VERY DECEPTIVE!! 

XX/XX/2016 US BANK XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX WA XXXX
Consumer complaint received 2022-05-22
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an An identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2023-04-18
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. (AR)

I have sent several documents highlight the inaccuracies on my accounts and the company has failed to fix these inaccuracies and it is effecting my credit score in a negative manner causing me hardship and hindering me from completing the final step of getting my home loan. I demand that all inaccuracies are REMOVED IMMEDIATELY!
Consumer complaint received 2023-02-06
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX  XXXX XXXX Balance {$3200.00} ; XXXXXXXX XXXX XXXX  XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX XXXX Balance {$20000.00}
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2015-09-28
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I have tried unsuccessfully many times to send money online through moneygram. 
I have spent hours on the phone, verifying my identity & having moneygram 's " security department '' verify my identity as well. I have yet been able to complete a transaction online, because moneygram continuously denies me services. On XXXX/XXXX/15 at XXXX EST is the latest example of moneygram 's discriminatory practices against XXXX. I tried to send money to my family in XXXX & was denied service. This has happened at least 6 other times with moneygram. As I said I have proven to moneygram who I am and that I have a need to send money to my family. MoneyGram has a long history of overcharging XXXX or denying services to XXXX. This practice must be investigated & MoneyGram must be held accountable for their actions/
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised with Equifax ; Again, I was going over my credit reports & noticed many items that do not belong to me. Since Im a stickler for research, I found under section 605b of the FCRA ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required by law to remove & block any items and information which is found to be opened due to identity theft, Equifax is required to remove any accounts/Inquiries or information no later than 4 business days after the date received. The disputed items do not belong to me. Im attaching the required FTC Report for Equifax and CFPB records ; I sent a letter on XX/XX/2022 ( attached ) to remove accounts and inquiries that is UNKNOWN to me. The law requires Equifax remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Please see attached verified Notice to Equifax.
Consumer complaint received 2018-09-19
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX Please remove these Inquires : XP/TU/EF B XX/XX/XXXX XXXX XXXX CARS AUTOMOTIVE EF B XX/XX/XXXX XXXX XXXX XXXX XP B XX/XX/XXXX RENTAL PROPERTY XXXX XXXX EF B XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account  thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX