davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (GA)

In accordance with the Fair Credit Reporting Act : account # XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (TX)

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. 
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 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 2018-11-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (ID)

I'm trying to get my credit report for the last 3 years from Equifax and XXXX since I'm being sued by a company I've never heard of and neither company wants to give me more than 1 year reports. The suit alleges the debt occurred at least 2 years ago and I believe it is because of leaked info by one or both companies. I have 20 days left to file an answer with the courts since they gave me 21 days and I was served yesterday, this should be an easy download for them since they are so quick to report bad things but take years to resolve them
Consumer complaint received 2022-07-12
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: DISCOVER BANK (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX  and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-07-12
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. (CO)

I asked XXXX, Equifax, XXXX to fix a bad report for late payment to XXXX I feel XXXX is guilty of corporate wide fraud. When closing my XXXX  account many months ago I discovered the XXXX  customer service online and by phone were completely inoperable. I went to the closest XXXX store at : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ( XXXX ) XXXX and officially and completely closed my internet account. Then many months later I began to receive bills from XXXX  from this closed account. I again went to the same store and talked to the Store manager explaining the above and that I did not owe XXXX any money. The store manager agreed to cancel this " debt ''. later, I wrote the Debt collecting agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone XXXX, giving this info and explained I did not owe them any money. 

XXXX has accepted my dispute, however to-date Equifax and XXXX have not agreed to delete this " late payment ' from my credit report. They have left this in my credit report.
Consumer complaint received 2023-03-23
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. (NM)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (OH)

I have submitted disputes to you guys and have not received a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (SC)

Jefferson Capital System along with XXXXXXXX XXXX and XXXX XXXX is once again reporting a fraudulent debt that I already had removed from my consumer report. 

I once again, demand this fraud of a debt removed from all reporting agencies immediately
Consumer complaint received 2022-07-12
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX US dept of ED/XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2022-07-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  / XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$500.00}
Consumer complaint received 2023-03-23
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following unauthorized inquiries reported in my credit report.
Consumer complaint received 2022-07-12
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion Credit Bureau 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference  # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-07-12
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)

This complaint has been submitted several times I've complained about being a victim of identity theft. Experian must remove any item 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. 

XXXX XXXX XXXX, XXXX  RESOLUTIONS I XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-11-14
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: Colony Brands, Inc. (CA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-14
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)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2017-11-12
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

One main financial 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 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 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I 've reached out to this company several of times about the collection account that they are still reporting on my credit which was last reported in XXXX XXXX, but the account was paid in XXXX. This is hurting my credit tremendously, and I need this item completely removed. If we ca n't get this issue resolved I will be forced to file a legal lawsuit for knowingly destroying my credit.
Consumer complaint received 2018-11-14
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: CITIBANK, N.A. (CA)

XXXX  has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (MI)

My dispute is with Citi-Bank and XXXX XXXX. During the month of XX/XX/2018, I received a Sears promotions showing my credit line was still {$4000.00}, that account is now {$1600.00} a decrease with my owing {$1200.00}. I had a Home Depot line of credit of {$3000.00}. Citi Bank had already decrease my line of credit on their XXXX XXXX Card and Best Buy Cards. After being complete " fed-up '' with how they do business when I received a letter dated XX/XX/2018 that my Home Depot credit card was decrease to {$500.00}. I contacted Home Depot regarding the decrease in the credit line. I was not pleased with their response. I requested that once I paid the account balance of {$140.00}, I wanted the account closed. The customer representative stated that I could never open and account again if I closed the account I stated I do not care because " corporations '' think they can imprison customers, they say we are valued customer but they do not value us. I stated several times that I wanted to pay the money first then I wanted the account closed. I was " tricked ''. The " rep '' said I have to read you " the rights ''. I responded, yes I want you to close the account after I pay it. The " rep '' stated the account is closed. The account closed before my payment was taken. On XX/XX/2018 after speaking with another representative about the behavior of the " rep '' it was suggested that I pay the balance owed of {$140.00} that it would be before Home Depot my another report to the credit bureau. I paid the amount owed. On XX/XX/2018, I tried using my XXXX 's credit card. I found the account is now closed, I had a {$2500.00} on the card with XXXX owed. XXXX XXXX  is closing all my credit cards with them. I think it is directly related the Citi-Bank reporting. I received a letter from XXXX XXXX dated XX/XX/2018 in big letters stated that I have SERIOUS DELINQUENCY, REVOLVING ACCOUNTS TOO HIGH. Let me remain you my balances was in good standard with " them ''. I had issues with Citi Bank with how they do business. Yet XXXX XXXX is closing out my accounts that are in good standard. I only owed Home Depot {$140.00} and of that was a {$20.00} late fee that I was trying to have them to waive. However, these two banks are causing a chain-reaction on my credit. XXXX XXXX letter stated my credit score is now XXXX. If anyone view my credit they could see I had an issue with Citi-Bank. I would like this matter corrected because they are making me look as if I do not pay my debts. I know long with their cards. I do not like the malicious way they are doing business. However, I do care about how my credit is viewed. Please I need help.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

PayPal Debt card / moblie bank Wrongly closed my account with my old email XXXX they fasly accused me of fraud when I showed them plenty of times where the money came from proof and etc they decided to steal not listen to me shut my account down and mess up my credit
Consumer complaint received 2018-11-14
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: Navient Solutions, LLC. (GA)

XXXX has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.