davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
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: ID Analytics, Inc. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2021-03-17
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 have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-17
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: FactorTrust, Inc. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

CFPB, I am writing in regards to XXXX and Equifax refusing to delete re-aged XXXX XXXX account XXXX. XXXX is reporting XX/XX/XXXX, Equifax is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (IA)

This complaint is in reference to dispute case : XXXX with SIMPLE bank ; soon to be BBVA. On XX/XX/2020 XXXX charged my shared bank account {$9.00}. This had been going on for several months. I attempted to resolve this issue with the merchant as they did not have authorization to debit my account for that amount. XXXX had no record of our ATM/Debit card on file for any of our accounts. I believe there was still an issue on their end that was causing our debit card to continue to be charged. I had my debit card cancelled and a new XXXX issued 3 times with SIMPLE, however each time XXXX was able to obtain my card and continue to pull money out of my bank account. SIMPLE did XXXX to stop this from happening. On XX/XX/2020 I contacted SIMPLE via phone and online support and advised them of the unauthorized, fraudulent transaction from XXXX XXXXo {$9.00}. They agreed to review. On XX/XX/2020 I received a message from XXXX with SIMPLE Fraud & Disputes stating that they denied my claim for the reason : -The cardholder has established history with disputed merchant ( s ). The only reason for the established history is that XXXX had been charging my card fraudulently for the past 4 months and each claim was approved in my favor since I never authorized my card. I believe XXXX is purposefully discriminating against me because I'm a XXXX and causing me unjust XXXX XXXX and XXXX. I believe that XXXX is not taking into consideration that EVERY SINGLE claim previously filed against XXXX and their illegal business practices were approved in my favor and the stolen funds returned back to me. I want XXXX and SIMPLE reviewed and I want my {$9.00} back that was stolen from me.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-17
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)

I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I lost my phone with my Coinbase app on it with approximately {$3500.00} in my account. I contacted Coinbase and they disabled my account to prevent theft. I quickly replaced my phone and signed out of the accounts on the old device from my new phone and let coinbase know in an email on the same day I lost my phone. I was sent an email saying they'd look into it for a solution. I contacted Coinbase by email on XX/XX/2021 and they replied that they would review the situation and respond with in 4-5 days. Still I have yet to hear from coinbase or gain access to my account. Apparently this is a common problem and their customer support is non existent.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (SC)

On XX/XX/XXXX I purchased an item from XXXX with a return policy. I received the item and wanted to exchange it. I sent the item back and reordered the item I wanted. The merchant was to refund me upon receipt of the returned item. Customs received the item and requested the merchant complete the required paperwork for delivery. She refused. I disputed the charged with Barclays. They sided with the merchant. I refiled a disputed on XX/XX/XXXX and in the meantime they rebilled me for the disputed charge TWICE. I do not have possession of this item, I returned it and they have not protected me as the consumer and in fact have violated me even further by charging me twice. Instead of {$320.00} debt for an item I don't have I now have a debt of {$650.00} erroneously reflecting on my debt and credit reporting. This is wrong. Please assist me with this matter.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have notified Experian that I am a victim of identity theft, the account U S DEPT OF ED/XXXX is reporting on my credit report but it does not belong to me. I have nothing to do with this account.
Consumer complaint received 2021-03-17
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX https : XXXX XXXX purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

XXXX XXXX put the zombie debt back onto my credit reports. Both XXXX XXXX and Equifax have refused to respond to my disputes and remove the expired debt from my credit report.
Consumer complaint received 2019-12-05
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. (GA)

Ive disputed late payments on my XXXX account more than 3 times with Transunion. Transunion refuse to provide a proper investigation. Transunion keep sending me an UPDATED report with nothing updated. Ive requested Transunion send the accounting records of my XXXX report for me to examine the accuracy of the inaccurate late payments. Transunion has NOT provided me with my request. Transunion also have not updated the inaccurate late payments. Transunion is required by the FCR law to provide 100 % correct, and accurate information, but as failed to provide my request. This is a direct violation of the FCRA.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX   is reporting misleading credit information information about me to Experian. My  Lease  was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  XXXX .
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX at XXXXXXXX XXXX I received a text alert that my Chase Freedom credit card was used to make a {$75.00} purchase at a XXXX ( I receive text alerts each time that credit card is used ). I was at work in XXXX, Florida at the University XXXX XXXX XXXX at the time of the purchase, which was made in XXXX, Florida. The card was with me at the time of purchase. I immediately reported the purchase as fraud to Chase and was issued a new credit card. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX, saying that since my card has a chip they can't confirm it was a fraudulent charge. The letter also said I had 14 days to reply or they would " finish our review and share our final results with you. '' The 14 day deadline is pretty absurd, considering I received it 12 days later. I opened the letter after hours and called the general fraud line, and was told by the rep, again, that the purchase was made " with the actual card. '' This is physically impossible. In fact, she said the card was swiped, not inserted. She provided an email address for me to send my time sheet to, to prove I was working. 

On XX/XX/XXXX I sent my time sheet to the provided email address. I also called the phone number from the letter, which connected me with XXXX 's voicemail box and I left a message. 

On XX/XX/XXXX at XXXX XXXX XXXX returned my phone call. He said what the other rep said, and added that the charge will be put back on my account. He read of the purchases : a XXXX cent water bottle and two XXXX gift cards. I told him that gift cards are commonly purchased with stolen credit cards. Again, I insisted I did NOT make the purchase and he offered to escalate me to a supervisor. I emailed his supervisor my timesheet ( he stated he had no record of me sending the time sheet the first time ) as well as location services information from my XXXX, showing I was in my office six minutes before the purchase was made. 

Between XXXXXXXX XXXX and XXXXXXXX XXXX  I spoke with the XXXX Police Department, XXXX XXXX County Police Department, and XXXX Police Department. I was advised by the XXXX rep to file a report online with the XXXX County Sheriff 's Office, which I did around XXXXXXXX XXXX. 

At XXXX I received a phone call from the Chase supervisor, who told me my documents and case will be moved to the Dispute Department. I'm a little concerned about this since it's not so much a disputed charge as it is fraud. She assured me they will investigate the charge and get back to me within ten business days.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

My original dispute letter was sent XX/XX/2021 by certified USPS mail. I called Equifax in regards to my dispute letter and inquired about any recent activity with my credit file. The representative that I spoke to on a recorded line calmed to that she doesn't see anything regarding my previous dispute in the system. When I asked her to look up this information more carefully, I was placed on hold and eventually disconnected from the call. I called back again and tried speaking to another representative to help with this issue further, and again placed on hold then shortly after disconnect again and was connected to a survey where I gave a thorough review of my experience with this call. 

The accounts that I specified on the dispute are as follows : 1. XXXX acct # XXXX - I previously disputed this account and it was never verified by the creditor but still remains on my credit report. 

2. Collection acct Unknown ) acct # XXXX and a balance of {$87.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

3. Collection acct Unknown ) acct # XXXX and a balance of {$66.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

4.Collection acct Unknown ) acct # XXXX and a balance of {$33.00}. The original creditor is unknown. I never had a contractor with the debt collector for any debt. 

I'm calling for these accounts to be properly deleted from my credit report due to the inaccuracy of the information. Also, the very fact that Equifax has failed to properly investigated my dispute and acknowledge a response by 30 days once a dispute has been received.
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I have attempted to dispute my charged-off XXXX XXXX XXXX  credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of XX/XX/2021.