davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-09-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Experian on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Experian know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

from XX/XX/year> i received from city bank a statement for a credit with home depot that is not mine, same body forged a credit card with my name i contact city bank and they denied the frode they want the payment from me but i never had a credit card with home depot, may be they send one to me without my approval and went to same body else, when i call the bank to locate the account they ask for my social security number and the frode account does not came out so is not associate with my social security number, i think city bank knows that but they do not want take responsability for the charge plus home depot didn't ask when the card was used for an identity card like a driving licence i swear on XXXX that every i wrote is true i am an old man with stage XXXX XXXX and this situation is making me more sick, please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NC)

I bought 2 tires from XXXX online and used affirm to pay. online XXXX delivered only one tire. Instore XXXX immediately signed two tires out to me. so affirm started the loan. instore  XXXX could not tell me where they were so i disputed the loan. XXXX gave me a written statement that they did not get the tires and maybe they would come soon. I ended up disputing the loan and gave them a copy of the written statement. affirm waited a day or two and said they were denying my dispute because XXXX said i never returned the tires. I asked affirm several times for a copy of the proof I got the tires affirm said they hated it did not turn out like I wanted. I was responsible.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

On or about XX/XX/23 i mailed 2 checks drawn on Webster Bank, to XXXX XXXX XXXX XXXX XXXX XXXX  ) each for {$25000.00}, attys  checks, and they never arrived at XXXX. They were stolen and deposited in XXXX  XXXX XXXX ( per webster bank ) and Webster Bank paid the funds even tho the back of the check said For Deposit only, XXXX, XXXX Operating Acct, and my name as asst treasurer. Myself and XXXX XXXX spoke with XXXX XXXX of Webster Bank. She gave me no info except that she would get back to me and then called the issuer of the check and i received an email indicating XXXX would not speak to me because i didn't have a XXXX account and to inform me of this. XXXX then called XXXX and she told him that because i had endorsed the check, the thief was able to deposit the check. " It was as if she ( that would be me ) had given the thief envelopes of XXXX dollar bills. '' We spent a couple of weeks looking for the check at XXXX, perhaps mistakenly deposited, a few weeks waiting for our atty 's advice, and our atty suggested our insurance company. I think Webster bank has responsibility here and XXXX  XXXX XXXX. I've made reports to police, postal service, Fed trade Comm. Someone needs to get into bank records to help us... an audit perhaps... to get us back our funds and/or to find out why this really happened. Its a lot of money to give out so easily without some inside fraud involved.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

This correspondence is in regards to a limitation placed on the paypal account associated with the email XXXX The associated XXXX account concludes with a good standing defined as minimal to no negative feedback and outstanding positive reviews resulting in XXXX XXXX  ( ) = XXXX to XXXX ratings on the account standing as of current. 

PAYPAL has not defined the reasons for the holding of the funds in the account associated with XXXX on paypal.com and the monetary value of {$11000.00} has not been returned following the promised 180 day waiting period. 

We would like a request on the exact specifications on the violations present resulting in the holdings of the funds on the account XXXX and we are requesting a prompt return of the aforementioned funds of {$11000.00} in the full amount withheld as of XX/XX/XXXX till today XX/XX/XXXX.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (OK)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (AK)

I have requested that this company send all documentation ( not company printout ) that I owe the debt ( progressive ) in question. They lied to the XXXX and said that they sent documentation in previous months but yet on my credit report, they say I can not be located. You can locate me at the address that you admitted you have on the XXXX response. Nothing has changed. I have demanded yet again documentation and the company stated they would send something and I have not received anything. They clearly have my mailing address. Don't say you sent anything unless you can show proof that you sent it. 

I demand solid proof of validation, contracts, my signature, etc ......
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I received notification from credit karma that an account in my name was in collections. I have no idea what this account is. It says {$150.00} is in collections by TRANSWORLD SYSTEMS INC, with an originator called XXXX XXXX XXXX for disaster relief from XX/XX/2021. I have been working in California as a XXXX and have no idea what this is. My credit score is wrecked.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2020 I submitted a complaint about Experian stating that they verified a public record on my credit report through a third party company XXXX XXXX. They closed the complaint out stating that I did not make this complaint myself. They sent me a letter on XX/XX/2020 that they verified the public record again through the same company. This is not possible due to the company sending me a copy of their investigation, that they could not verify such record and therefor had to delete it from their system. I want Experian to delete this record from my credit profile since they did not do a proper investigation and violated the FCRA. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the public record from my report.
Consumer complaint received 2023-10-29
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: Kikoff Inc. (FL)

Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX Kickoff Lending LLC, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In 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 rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-09-18
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. (NC)

XX/XX/2021 TRANSUNION received written instructions from me pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of consumer reports ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I gave TRANSUNION 30 days to remove every account, all inquiries, and to send me an updated copy once completed. TRANSUNION did not do follow my instructions. Thats a violation. Nothing changed and I hadnt received anything yet. XX/XX/2021 I sent TRANSUNION another letter pursuant to 15 USC 1681b ( a ) ( 2 ) giving the exact same written instructions like Ive stated in the first letter. A letter dated, XX/XX/2021 from TRANSUNION stated, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your Transunion credit report is accurate. Its our commitment to you. In the pages that follow you will see a full copy of your credit report. So, I went through my consumer report, again. XX/XX/2021 I sent TRANSUNION a third letter stating the same written instructions as well as IDENTITY THEFT REPORTS! XX/XX/2021 TRANSUNION sent me a letter claiming they could not process my requests. Now, I would like to know at what point did I give consent for TRANSUNION to furnish anything let along the audacity to disregard THREE written instruction letters? Thats a violation pursuant to 15 USC 1681o civil liability for negligent noncompliance. Not to mention, the use of obscene and profane language claiming I owe any alleged debts, when in fact, I used my credit card pursuant to 15 USC 1602 ( l ). Pursuant to 15 USC 1681a ( d ) Consumer Report. ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. My credit card was used to initiate a credit transaction. Everything that aroused from my credit card, should NOT be on my consumer report. I want the following credit transactions removed as soon as possible. Also, deletion is admission. I am seeking monetary relief as well for the damages caused by TRANSUNION.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my credit report.
Consumer complaint received 2021-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my credit report.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I contacted The XXXX XXXX about getting my annual consumer disclosure via US Postal Mail XXXX 

I identified myself with a copy of my US Passport and electric bill ( with current mailing address ). 

The Work Number/TALX claims I did not proof of address and/or it was illegible. 

This is baloney. 

Enclosed is a copy.
Consumer complaint received 2023-08-08
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: CAINE & WEINER COMPANY, INC. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2021-09-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AL)

Once I finished school I was never sent a letter, phone call or nothing stating that it was time for me to pay these student loans. It has 3 late payments back in 2019. I have called the company, sent emails to the CEO, and sent them a letter stating that I never received anything saying when and how much I was suppose to pay toward these student loans. The admitted that no letter was ever sent via their recorded phone call which could be pulled but they never removed the late payments.