davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (IL)

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 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 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 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 2022-12-01
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. (MO)

I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.
Consumer complaint received 2022-11-30
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I recently made a payment of {$230.00} to Enhanced Recovery Company not knowing that I had the right to dispute the account. I was paying to prevent from having multiple negative entries on my credit report. The Collection Agency placed an entry on my credit report before notifying me in writing or allowing me to validate the debt. I pulled my own credit report out of surprise that the entry was made but placed as a zero ( 0 ) balance. I received no notice from the collection agency just paid them without knowledge that it was already listed on my credit. I submitted a certified return receipt letter to them dated XX/XX/2019 validating the debt with no response. I submitted a dispute with XXXX   XXXX report they updated the information with no proof of how they verified the entry. I dont have anything with proof that I actually owed that amount & when did this account went delinquency. They are reporting incorrect information. I dont have any information about this account from the Collection Agency that states they are collecting for XXXX XXXX XXXX. I request for documentation or for the entry to be removed from my credit report with XXXX. I have supporting documentation to support this complaint such as the certified letters & letters received from XXXX XXXX XXXX.
Consumer complaint received 2022-01-17
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. (NY)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-10-07
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXAccount # 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 2022-10-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-25
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. (LA)

THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! XXXX XXXX JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX  Account No XXXX XXXX. Late payment history 2.Last Payment XX/XX/2017 XXXX. Account Verified XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked Transunion to verify this judgment and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I sent this letter to all three bureaus and it was removed by XXXX and XXXX. I have also sent this letter to XXXX XXXX  and XXXX  and they also said they do not verify any information. I sent another letter to Transunion and all they sent back was verified. I have asked them how did they verify the bankruptcy and they have failed to sent me proof.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX Citi Bank declared me Deceased without any verification whatsoever : I could not access my web account since XX/XX/XXXX and finally received letter in the mail on XX/XX/XXXX stating they had closed 2 of my credit card accounts and sent their sympathy. 
Within 5 days, they contacted my XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) stating to him that they were sorry for his loss. He had no idea and immediately hung up the phone to see if i was " alive. '' How they even got his name and number I do not know. I missed time off work and have been thru alot of emotional distress contacting the Probate Dept at Citi Bank, their Customer Service, yet no response or anyone willing to help. I faxed a letter and emailed correspondence, yet no help. Over a month later, recently on XX/XX/XXXX due to me contacting the Credit Bureau, Citi Bank reopened my accounts and now are charging me past due fees and interest from 20 some days ago, Really?????? I am not paying anything to them for what they caused me. My account was in good standing and I always made my payments on time and paid more than I should and now they are doing this to me and no fault of my own. I have missed work going to Social Security Administration to prove I'm alive and hours on the phone with Credit Bureau. To date, I have been unable to use any credit cards that are governed by Citi Bank and today, I was unable to upgrade my mobile phone with XXXX  as my Social Security Number was declined. Citi Bank is unable to resolve this problem and this is a Major Issue, despite my credit score, credit ratio, and credit utilization now that is all messed up. I believe they should dismiss all balance due on charges of credit cards due to all the emotional stress I am having to deal with this - and again, no fault of my own. I work hard to pay my payments and keep my credit score up and now they are going to ruin everything! This is simply not fair ....
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Consumer complaint received 2021-09-25
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 Finance Corporation (NY)

There are two inquiries for OneMain for a loan. I didn't make these inquiries. When I called OneMain they provided a different phone for the inquiries and I requested that these inquiries be removed. I also stated this is a case of fraud please don't disburse any funds. I was assured that inquiries would be removed and said person would have had to come into the branch and provided ID. Please help me have 2 inquiries removed from my report. Dates XX/XX/XXXX and XX/XX/XXXX. Not that this has anything to do with this case. I provided my ssn to a XXXX ad for work which I believed to be a scam..
Consumer complaint received 2018-04-20
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. (NJ)

Credit/Deferred payment plan was offered as part of an online purchase from XXXX XXXX on XX/XX/XXXX. 

That credit was denied with sales agent having no information on why it was denied. 

On XX/XX/XXXX correspondence was received from : XXXX C/o XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. 

The reason for denial was listed solely as : SSN reported as deceased. 

The source of that information was Experian. 

Trying to contact them yielded nothing through their automated system other that an erroneous fraud alert, which was neither desired or requested. There is no method for contacting Experian for immediate resolution of this problem other than through the mail with no reference number or issue number given to assure resolution.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act Experian, XXXX, and 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (VA)

I had filed a complaint with a Chime representative over the phone on XX/XX/XXXX after successfully getting back into my account with the help of a Chime representative who helped me reset my credentials and fix my email, I was able to recover safely from situation an involving a fraud situation where someone had unauthorized access to my Chime account and they were able to send themselves {$4500.00}. A claim was filed through chime and I had also filed a police report. Chime had notified me that my dispute would be resolved by XX/XX/2024. It is now XX/XX/2024 which is after the given resolution date and 127 days in total for this case. I have called chime numerous times and was told each time that they would escalate my case, yet it is still unresolved. I have not heard any updates about my case and I have not received any response to my emails about what is happening with my case. On the phone, I was told by a manager that my case was actually being put into a queue after it was already reviewed to allow for other cases to be resolved but was not given a reason as to why my case is being prolonged.
Consumer complaint received 2022-10-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-24
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: Santander Consumer USA Holdings Inc. (TX)

I disputed this account several times with no follow up from XXXX XXXX with verification. I sent XXXX XXXX a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said XXXX XXXX verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because XXXX XXXXvised not to remove. If this is not resolved I will file a FTC complaint next.
Consumer complaint received 2021-09-25
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. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-17
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. (AL)

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Transunion, XXXX and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Transunion, XXXX and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Transunion, XXXX and XXXX reports that they have verified these accounts are in fact mine. Who at Transunion, XXXX and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Transunion, XXXX and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.