davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

These companies have accounts on my reports that is either not mine or inaccurate : 1. These inquiries were not authorized by me. I believe someone tried to use my name to fraudulently open credit card accounts. 
XXXX  XXXX  Date of inquiry : XX/XX/2022 Remove immediately and confirm in writing. 

2. This account was never paid late. I made an agreement with the lender and paid as agreed. These supposed late payments are also fall under the protection of The CARES ACT Regulation 5. 
XXXX Account Number : XXXX Please removed these inaccurate late payments from my account immediately and change to paid as agreed and confirm in writing. 

3. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

4. This account is inaccurate. The Date Last Active is prior to the Date Opened which is impossible along with other inaccuracies. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing. 

5. This account is inaccurate. The Date Last Active is reporting greatly different dates for each bureau along with other inaccuracies. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

6. This account is false and misleading. It is fraud on the part of the creditor. 
XXXX  XXXX  XXXX  XXXX. This doctor is charging me for services for braces that my child never received. 
Account Number : XXXX Please remove this inaccurate account from my report immediately and confirm in writing. 

7. UNKNOWN. I believe this account to be fraudulent. 
XXXX XXXX XXXX  XXXX  XXXX  Account Number : XXXX Please remove this inaccurate and invalid account from my report and confirm in writing.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-15
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. (IL)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

I reached out to the company via phone on XXXX/2017 attempting to get an explanation of the security breach. After waiting a total o 1 hour and 17 minutes, the non English speaking ( XXXX ) agent refused to answer my questions regarding the breach and hung up on me. 

I called back and waited another hour and when I got someone on the line asked to speak with someone who is in the United States, I waited again for 46 minutes and finally got XXXX on the phone who gave me scripted information about a protection plan through the same company that was breached. After explaining the terms I disagreed with the arbitration agreement. He said that there was nothing I could do and ended the call.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MD)

I am inquiring about account numbers, which belong to my decreased brother. I am the beneficiary on these accounts. 
As of XX/XX/2022, I was told by representatives, I as the beneficiary could not close these accounts. I proceed to talk to the Regional Director and I was informed she would get back in contact with me regarding these accounts on XX/XX/2022. 
On XX/XX/2022, I have sent certified letters to the Chairman/CEO and President/COO. Could you please help me with this issue? 
As of today, XX/XX/2022, I need to know what's going with these accounts.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Consumer complaint received 2022-02-18
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: CITIBANK, N.A. (NY)

I called Citibank regarding a credit card account reporting on my XXXX report. They searched my social security number and there was no record of this account. So how is XXXX verifying this account with you guys if there is no records? This is wrong.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-03-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

Incomm visa gift cards were purchased and attempts to make purchases were made. Upon use of the card, transactions were block at the merchant and subsequent merchants. It was been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If an purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? 

This same issue is present with the replacement cards sent to me. So instead of more replacement cards, I am respectfully requesting that funds be sent to my address.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX  ACCOUNT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION. SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD, I NEVER BOUGHT ANYTHING USING THAT CARD, THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I AM XXXX AND AS A PROFESSIONAL I HAVE NEVER APPLIED FOR THIS CARD, NEVER BOUGHT ANY MERCHANDIZE FROM THAT STORE. THIS CARD WAS OPENED FRAUDULENTLY, I NEVER APPLIED FOR THAT CARD.
Consumer complaint received 2022-02-18
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)

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IN)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX  XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 2022-02-18
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. (IL)

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OK)

PHOENIX FINANCIAL SERVICES LLC has once again purchased old debt that has already been investigated and found to be not valid or legal. They have also been making unauthorized phone calls to my cell phone against my wishes. I have already informed them, again for the tenth time in over ten years, that this is not my debt. I have also informed them that this violates Oklahoma law, the original age of this debt is ten years old and this is way past the Oklahoma statue of limitations. Phoenix Financial has illegally placed this on my credit report with the date of service being XX/XX/2020. They know this is completely fraudulent and that I have taken legal action against them in the past for doing the exact same thing as now. They are the 4th company in ten years to harass me for this debt of which I have zero knowledge of. They have refused to produce ANY evidence for this credit file, because they have NOTHING. I will be seeking legal action against this fraud of a company for once again lowering my credit score. It is very obvious that they are taking advantage of the stressful times with Covid-19 to add old fraud to people 's credit report. They should be held criminally liable for their actions.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

Citibank and XXXX XXXX XXXX have determined they will discriminate against law abiding citizens exercising their second amendment rights under the constitution by taking political, non-business-like actions to inhibit citizens rights. As second amendment advocates, we take exception to this marxist, political grandstanding and expect the CFPB to take action against these banks to prevent this political grandstanding. Further, as we work to take action against these banks, and, in turn, expect the CFPB to do the same, we are proceeding to terminate a more than 30-year relationship with Citibank and open accounts with their non-discriminating competitors. Your assistance and actions against this discrimination are essential. We need your help.
Consumer complaint received 2018-05-05
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: TD BANK US HOLDING COMPANY (CA)

I have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX AUTO XXXX {$12000.00} XXXX XXXX AUTO XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.