davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$5300.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I purchased a product from XXXX XXXX using their store credit card for the amount of {$48.00} so I could take advantage of the holiday sales promotion and accumulate more key rewards points on XX/XX/2019, within a few hours, I received an email stating that my purchase was shipped to my home address. Today XX/XX/2019 I would like to pay my XXXX XXXX credit account down to XXXX ( the total amount of this product purchase ) I am not being allowed to pay my balance of {$48.00} online through their credit account payment system. I am also not being allowed to pay my credit account through the phone. Both platforms say that I have no balance due at this time even though my available credit has been decreased by the {$48.00}. I believe that they do this so that I can forget about making my payment and they can charge their monthly finance fee and interest. Any other department store including XXXX, XXXX allows me to make a payment to my credit account right after making a purchase.
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

i sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2022-11-12
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)

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS ( AMEX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. AMERICAN EXPRESS ( AMEX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

EXPERIAN REPORT # XXXX INVESTIGATION ID XXXX RECIEVED FRIVILOUS RESPONSE AND A LYE STATING XXXX XXXX IS STAYING AND VERIFIED ACCOUNT OWNERSHIP I PREVIOUSLY SENT REGISTERED LETTER WITH DETAILED INFORMATION AND A COURT DOCUMENT WITH ANOTHER DOCUMENT SHOWING ADDRESS OF XXXX TO BE WRONG AND NO WAY TO CONTACT THEM DIRECTLY A D PROOF I HAVE EHUASTED ALL WAYS TO FURTHER DISPUTE DIRECTLY I HAVE NO RECORD OF SUCH ACCOUNT EXISTING AND RIGHT NOW HAVE A ARBITRATION SET UP WITH FAIRSHAKE TO GET COMPASSTION FOR DAMAGING MY CREDIT I ALSO SEEMING ATTORNEY TO FURTHER MORE HOLD EXPERIAN LIABLE FOR ALLOWING INFORMATION TO STAY ON RECORD AFTER I PROVIDED INFORMATION CONSTITUTING IMEDIATE.REMOVAL AS EXPERIAN WILL NOT PROVIDE ME WITH INFORMATION ON HOW THEY VERIFIED A ACCOUNT NOT MINE
Consumer complaint received 2019-02-01
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

I had moved out to overseas on XX/XX/2015 permanantly but I would like to dispute the negative items on my credit report because they are not mine. 
I used to live in XXXX most of the time and I was living in XXXX for a short period of time. I feel like my room mate had stolen my information. 

1.XXXX XXXX  XXXX XXXX is not mine I have no idea who that creditor is and how that apprears on my credit report
Consumer complaint received 2022-11-12
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)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

My name is XXXX 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.
Consumer complaint received 2024-03-19
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. (GA)

I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a protest to EQUIFAX with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EQUIFAX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Consumer complaint received 2022-11-12
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)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2022-11-12
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act 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. section 502 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't furnish a account without my written instructions.
Consumer complaint received 2024-03-19
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. (VA)

I am formally challenging any wrong or undocumented data found in my credit report, counting unconfirmed claims. Beneath the FCRA and the acknowledged STANDARD of metro 2 information field announcing, I challenge the reportability of these unconfirmed charges. Government and state laws require precise and total announcing, denying the consideration of known or should-be-known illegal claims. If it's not too much trouble guarantee the exactness and rightness of all your claims, as ordered by the Metro 2 announcing standard. I compassionate ask you to supply irrefutable physical prove to bolster the presence and reasonable utilization of the account. On the off chance that such prove is missing, I anticipate the expulsion of the account from the report. I authorize you to send me physical documentation of your activities and an overhauled credit report for my records. 


Listed below are the Accounts that are being challenged XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2022-11-11
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15u.s.s 1681 section 602 states I have the right to privacy.15usc 1681 section 604 A section 604 A it also states A Comsumer reporting agency can not furnish account without my consent written instructions..section 605 A 15us 1681 c-1
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (MS)

Under consumer law 15 usc 1681c 2 which states : 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 4 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.

Your company has not removed the inquiry before the allowed time, which is a violation.

Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/19 I was scammed in purchasing a concert ticket for {$50.00} using PayPal. The seller collected the money from me and didnt issue the ticket as promised. After that, the seller removed his/her XXXX profile that we were communicating through. After contacting PayPal, they told me to contact my financial institution.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX