davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (CA)

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 3 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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 2019-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

As I always do, I made an online payment to my Target Red Card with my checking account. I made this payment on XX/XX/2019. This payment was deducted from my checking account on XX/XX/2019 and cleared my bank the same day. This payment was not returned and Target has their money. However, Target REFUSES to release the funds to my account. I have e-mailed and tried to get this issue resolved. They REFUSE to tell me how long that they hold payments for. They keep saying that it is close to clearing. It is now XX/XX/XXXX THIRTEEN DAYS LATER and they still have not released the payment. There is absolutely no reason why they should be holding my payment.
Consumer complaint received 2021-09-06
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. (CT)

i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AA)

I have contacted USAA several times to let them know that there is a glitch in their system that is reporting the wrong location for zip code XXXX. Zip code XXXX is for a XXXX, however their system is reporting it as XXXX FL. they reported this information in my credit report and now my XXXX  account s locked. I spoke to the banking area and they tell me that I need website support I speak to website support and I am told that banking needs to fix it. they don't seem to understand that there is a glitch in the system that makes zip code XXXX appear to be in Florida, see my attachments to see what USAA is reporting and neglecting to fix. When I attempted to open a new account the incorrect address appeared in my USAA account. When I generate a direct deposit slip the incorrect address populated in to my direct deposit form. when traveling the USAA app shows that my home location is in FL. This is incorrect and USAA is reporting my address as in Florida and they are not willing to do anything to fix it. See attached USPS zip code look up that confirms that ZIP XXXX is not in FL.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (MI)

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. They are in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ) I don't remember going into any contractual obligation with the original creditor are agreeing to an have by mediacl debts sold are published on a credit reports. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them I believe all three Credit Bureaus, XXXX, XXXX, for a debt of {$100.00}.
Consumer complaint received 2022-12-27
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)

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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$780.00}
Consumer complaint received 2022-12-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$780.00}
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

Equifax had a breach and as a result had a lawsuit that I was a class action member of the suit. Equifax settlment administrator is claiming that my check was mailed on XX/XX/XXXX and that it has been cashed. I have tried repeatedly to inform the settlement XXXX that I did not get my check, It is impossible because I was in the XXXX XXXX XXXX  on XX/XX/XXXX and was not released until XX/XX/XXXX so I did not get my check nor did I cash it because I was in jail. I have asked for months after months emails after emails for another check to be reissued and they have 'parrotted ' the same lies that I got the check and was paid, which again is IMPOSSIBLE to be true. This is about identity theft so is it possible someone else got my check? I am due and owed this money and never got the settlement offerings which were {$7500.00}, identity theft monitoring products and comopensation for time spent. I am asking for 1 ) a re-issue 2 ) verfication of whatever check was cashed and by whom and when and the amount. more information. I am rightfully owed payment and the 'settlement ' email is doing nothing but spitting out lies.
Consumer complaint received 2022-12-26
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. (RI)

I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2023-07-03
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. (GA)

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Here are four inquiries that I've submitted to be removed from my credit report. I've contacted the creditors directly and they've validated these as fraudulent inquiries. After submitting an FTC report, my driver 's license, and a copy of my social security card, as requested by Equifax, they ( Equifax ) still fail to remove these inquiries from my credit report. The documentation I submitted was mailed out on XX/XX/XXXX and it was verified that Equifax received the mail on XX/XX/XXXX. When contacting Equifax from XX/XX/XXXX until today XX/XX/XXXX, they're telling me they still have not yet received my mail that included the FTC report, copy of my driver 's license, and copy of my social security card. 

I also attached the proof of mail that included the FTC report, my identity verification, and a screenshot of the date that the mail was delivered to Equifax. I also attached a photo of a letter that XXXX sent me to have the inquiry XXXX XXXX- removed, which Equifax again fails to remove.
Consumer complaint received 2022-12-27
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. (FL)

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 XXXX XXXX XXXX Balance {$7900.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

15 USC 1681 Section 602 state 's I have the right to privacy. 15 USC 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

National Credit systems are trying to scam me and have me pay twice! Ive settled and paid my debt off. They are attempting to collect the same debt twice. They placed two collections one for rent and other fees and another one with the same rent and fees included. Ive requested over and over for a copy of what Im paying and why Im paying rent twice. When the security deposit covered it, and I still have not received it.
Consumer complaint received 2020-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (AZ)

Greetings, I received today a collection notice from Penn Credit Corp., alleging that I owe {$380.00} from a service date of XXXX XXXX, 2018, for a purchase of " ordered merchandise '' from XXXX. It is Penn Credit ID # XXXX. 

I never made this purchase from XXXX. I have never purchased anything from XXXX in my life. 

Thank you for any assistance you can provide.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID TYPE : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warnings Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (FL)

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 XXXX XXXX XXXX Balance XXXX ; XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXXXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX , XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-27
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 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 2022-12-27
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. (VA)

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 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 2022-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

Here is a letter I am sending to Marcus : I am writing to complain about a serious customer service issue. My mother listed me as the beneficiary on her Marcus account. She passed away on XX/XX/2022. I sent you her death certificate before the end of XXXX, but I still do not have her funds. The death certificate was returned to me promptly after I sent it, but with no note or explanation. I have called numerous times to follow up, and each time I call I am told it is pending. Each person I speak to is very sorry for my loss, yet in this period of grief, I am having to deal with the nightmare of getting the funds. 

One time I was told the transfer was delayed, but they wouldnt say why. I was told it could possibly be due to any number of reasons, such as something about the name ( I changed my name after having gotten married this past XXXX ), or money had been moved after the date of death. More recently I was told on two separate occasions that the money would be transferred the next day, but it still has not been transferred. 

Each time I call, I am told I will get a return call no more than 24 hours. One time I was told I Id get a call in 2 hours, but I never get a call. This should not be so difficult, as I already have an account with you, so you just need to transfer the funds. Other financial institutions have settled their accounts with my mother over a month ago. If this can not be resolved quickly, I will submit my claim to the CFPB and your regulators, or I may have to file a lawsuit.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions