davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-21
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. (IA)

I have an account with XXXX XXXX XXXX that was originally opened back in XX/XX/XXXX. I have been disputed the status of the account on my Experian credit bureau report for several months now due to fraudulent charges from a lost/stolen card reported back in XX/XX/XXXX I believe. Honestly I can not remember the exact dates as it had been a long time ago and aot had happened, but I can tell you this much my Identity was stolen at some point late in XX/XX/XXXX including social security number and my banking information among some other personal information. So not only was my XXXX credit card compromised at some point in XX/XX/XXXX or beyond, but my identity was compromised as well. I had filed police reports about my identity theft with the alleged person I think was the perpetrator. However nothing was ever done to prosecute him to the best of my knowledge. Although I did provided the local police department in XXXX IA with some evidence, they seemed to have lost the evidence I provided them. I feel like the police either didn't care about my case or he had somebody working with him from inside the police force itself. You know as well as I do that there are crooked police officers out there unfortunately. Anyway, I filed all fraud reports with XXXX XXXX XXXX in a timely manner and to the best of my abilities. However, if they requested any follow up with me, I was out of state after XX/XX/XXXX due to some personal issues. I'm not sure when the account actually went into a negative status, but it never should have due to the fraudulent activity on the account from the loss of the card I previously mentioned in this statement. I have nothing further to add at this time. Please refer to all my previous disputes I filed with the Experian credit bureau specifically. Thank you for your time and understanding in this matter.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 
CREDIT FIRST, has violated my rights FIRST PREMIER, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

These accounts have been paid, they are affecting my credit and should be removed.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I feel like my disagreements are being disregarded unfairly. XXXX makes it very clear that failing to review an item within 30 days will result in the item being immediately removed from my credit report. This entry should be removed right away. This account is not mine.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

When I left XXXX XXXX apartments the property manager told me that they had already rented my apartment and said I don't owe any lease termination fees or any additional months of rent. She told me I owed nothing. 

I never received any bills from XXXX XXXX or anything else and suddenly this appears on my credit report from Fair Collections and Outsourcing and has made a huge negative mark on my credit. 

I do not owe XXXX XXXX anything and this debt is invalid and not mine.
Consumer complaint received 2022-07-26
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)

XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been arguing with Transunion for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail.

My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges.

Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Previous address on my credit file is incorrect and needs to be deleted asap. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc. (OH)

On XX/XX/2022 I received a credit alert that Kikoff Lending Llc opened an account under my name. I've been dealing with identity theft since XX/XX/2022. I contacted two different numbers that were given to me numerous times. One number no one answers and then goes to a voicemail not set up and the other number tells you to go on line to their support. The card opened XX/XX/2022. It had a recent balance of {$22.00} as of XX/XX/2022. 
Credit limit or original amount {$500.00}. High balance {$24.00}, monthly payment {$2.00}, recent payment amount {$2.00}. XX/XX/XXXX I sent them an email stating my complaint to them about a false account. XX/XX/2022 I got a response from XXXX, from Kikoff, wanting personal information to try and resolve this, like full legal name, the lat 4 of my SSN, and my current address. XXXX XXXX I replied I did not trust giving anyone my personal information but would give them the information I received on the alert because I had not received any other information about this except through XXXX. XX/XX/2022 I received an email from XXXX from Kikofff, telling me they couldn't close the account unless I fill out a formal affidavit of identity theft through a secure link. Again, this form wanted personal information so I did not send this form into them. XX/XX/2022 I emailed them again I would like someone to help me close this false account. I asked someone to please call me XXXX, from Kikoff again sent an email requesting me to fill out a formal affidavit of identity theft on their " secure link ''. I did not fill out the form because I didn't trust it. XX/XX/XXXX, I sent another email asking for this false account to be closed. On XX/XX/2022, XXXX XXXX again asked me to file a formal affidavit. On XX/XX/2022 I sent them a police report on their " secure link ''. On XX/XX/2022 I also filed a complaint to the XXXX XXXX XXXX, which also showed Kikoff is not an accredited company. On XX/XX/2022 I received an email telling me " based on the information included in your fraud claim we have determined there is clear and sufficient evidence to remove this tradeline from your account history. ''
Consumer complaint received 2024-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by XXXX XXXX that it was removed but it still on my credit report Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I spoke with Bank of America and they said it's not showing anything on there end
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-26
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: LEXISNEXIS (TX)

XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-06-26
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. (FL)

Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both XXXX  & Experian with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Hello, on XX/XX/XXXX I contacted Carrington Mortgage to refi my house, during the refi process it came to light that XXXX XXXX XXXX had put a note for {$45000.00} in the back of my loan when I did a modification with them in XXXX. My mortgage balance prior to the refi was {$150000.00}. The loan officer told me that I needed to add the {$45000.00} Note ( from XXXX ) back to the loan, or else it would cause me problems in the future and I will never be able to do a refi or sell my house. I felt pressure in doing so, this made my mortgage payment go up from {$1000.00} to {$1200.00}, which is a large increase for me. Now XXXX county has increase my taxes and my escrow is short {$1900.00}, my mortgage payment is now {$1500.00} this is a {$510.00} increase! I am very concern that I will no longer be able to afford my home. I feel like I was pressured in this refi, and very angry about it.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My credit card expires this month. I have been paying my payments on time and have been with the company several years. I have one other credit card in which I am current. On XX/XX/2018, citi card sent me a message stating that once my card expires they will not be sending me another one because I filed bankruptcy and/ or a charge-off on another credit card account issued by Citi . I do not have any other credit cards and have not had any other ones besides the one listed since they reissued my card in a year or two ago. I think this is a discriminatory tactic against minorities.
Consumer complaint received 2023-03-26
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name : XXXX XXXX XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX # : XXXX have violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-26
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. (HI)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2023-03-26
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)

I have been trying to resolve fraud on my credit reports since XX/XX/2021 with XXXX, TransUnion, and XXXX. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX & Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causse to believe that the information is in accurate.