davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
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. (PA)

XXXX, Transuion is reporting inquiries XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX that are not an obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a
debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX Opened XX/XX/XXXX + {$2100.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting 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. (NV)

My credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XXXX XXXX, 2020.

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have late payments on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally you should not have them there.

Please remove late payments/change to paid as agreed.
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NM)

I received a card in the mail with my address and someone else 's name. I refused to open the envelope as I intended to mark it as return to sender, but wanted to notify the lender ( Chevon XXXX Cards via Synchrony Bank ) so they could pursue the potential fraud more expeditiously. Because I was unwilling to provide an account number, the agent hung up on me.
Consumer complaint received 2024-11-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (CA)

Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Amount : {$2400.00} According to 15 U.S.Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Effected by covi d 19.

Contracted XXXX XXXX in XX/XX/XXXX, was effected until XX/XX/XXXX. It's still an ongoing battle struggling with my XXXX health which took a hit as a result of hardships created by covid 19. After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became XXXX and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from XXXX that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me zero verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from XXXX that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from XXXX. I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times.
Consumer complaint received 2021-06-16
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: LoanCare, LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
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. (NC)

All three of the credit bureaus only updated the file in XXXX XXXX on my credit reports which proves they were reporting incorrectly for years. None of the bureaus removed this fraudulent information from my credit report. 

This is my second attempt with the CFPB to get this removed and I cant count how many times I have asked each bureau to review this account and it continued to be incorrect. 

This complaint is a continuation of CFPB complaints submitted XX/XX/2021. 
XXXX XXXX XXXX I am under the impression that all three companies rushed through this process and reported back that the investigated and updated the accounts when they actually did nothing. 
Please assist me in getting this fraudulent account deleted.
Consumer complaint received 2021-06-16
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. (NY)

My Consumer rights were violated by these credit reporting agencies. I sent them an official statement on XX/XX/2021 letting them know that these accounts were inaccurate and fraudulent, and they were supposed to remove the accounts within 4 days of receiving my letter but they did not. to this day XX/XX/2021, these inaccurate accounts are still illegally being reported to my credit report. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. especially XXXX, do not use this stall tactic, and I ask the CFPB TO PUNISH any credit reporting agency who uses this stall tactic.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Systematic National Collection, Inc. (AZ)

Systematic National Collection is damaging my credit reports, yet has not validated that I owe them anything. There is no proof of a signed contract between myself and SNC. Also, SNC is not licensed with the State of Arizona, a state in which I reside. I am also filing complaints with both the AZ Attorney General and the CA Attorney General.
Consumer complaint received 2021-06-16
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-05-27
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. (IN)

This is the several times I've complained about being a victim of identity theft. You must remove any items 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. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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 {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (FL)

I the ( Consumer ) sent in a letter to verify the accuracy of accounts on my report. I have not received any information in the mail I understand its Covid going on but I am trying to Finance for a new car and I have some inaccurate information on my credit report. I sent my first Letter XX/XX/2021. I then set my second letter XX/XX/XXXX still no response. I then sent my third letter to Demand A response still no letter this is why I am contacting you guys. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Also under 15 US Code 1681 congressional finding and statement of purpose A ) Accuracy and fairness of credit report Accuracy means everything is correct. 
Fairness means no one is taking unjust advantage of another. 

The banking system is dependent upon a fair in accurate credit reporting in accurate credit reports directly impairs the enfishcentcy of the banking system unfair credit reporting methods undermines the public confidence which Essential to continue functioning of the banking system. 

The inaccuracy on my report does not benifits me. There is no Equity for me. 

As consumer i have the right to privacy. Anything arise from my credit card should not b included on my credit report. 

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be Block and removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2023-03-09
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX  XXXX : {$42000.00} ; XXXX Balance : {$42000.00} ; XXXX XXXX Balance : {$34000.00}.