davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (GA)

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. 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. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.
Consumer complaint received 2019-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JH Portfolio Debt Equities, LLC (FL)

XXXX XXXX , XXXX collection agency keeps calling me and sent me a letter regarding an account that I do not have with them. I requested them to provide me the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not receive this information.
Consumer complaint received 2023-04-10
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. (GA)

I have sent in my reports I have spoke to many representatives and now waiting on a supervisor How is this happening to me I'm a victim of identity theft i've sent my police report and filed with identity theft and ftc and nothing is being done they keep sending stall letters and not properly investigating. It's no way possible they are investigating because these companies can't have any information on me. 

I need help XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraud accounts
Consumer complaint received 2022-10-21
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. (VA)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-29
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. (MI)

Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries : XXXX XXXX date opened XX/XX/XXXX Accounts : XXXX XXXX  Date opened - XX/XX/XXXX Balance - {$200.00XXXX XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance - {$440.00} XXXX Date opened - XX/XX/XXXX Balance - {$1600.00} XXXX XXXXXXXX XXXX Date opened - XX/XX/XXXX Balance - {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - {$2500.00}
Consumer complaint received 2022-06-15
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. (OH)

On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers XXXX & XXXX listed below appear to be duplicate accounts. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
XXXX XXXX BANK Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX. XXXX XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. U S DEPT OF EDXXXX : XXXX
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX partial account # XXXX ... 
XXXX 
Hard enquires XXXXXXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company continues to harass me over a debt that's fraudulent. I've provided them proof of this on numerous occasions. In fact, the debt was proven fraud and deleted from the bureaus, but this company had it added back on which is illegal and a violation of my rights. This is causing me great anguish and I'm considering litigation. Please help me put a stop to this madness.
Consumer complaint received 2018-04-26
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. (TX)

DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO
Consumer complaint received 2018-04-11
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. (TX)

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX, EQUIFAX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

XXXX sent IC System after me a year after I closed my account, claiming I owed XXXX {$59.00} for equipment that I returned to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX made no prior attempt to contact me via phone or email prior to sending a debt collector after me, and I no longer have the receipt for equipment return because I thought this was finished over a year ago. 

I disputed the charges and explained I returned the equipment to their facility. I noted that they have not itemized the equipment so I have no idea what they are even claiming I kept. I have no reason to keep the equipment because I moved to an area that XXXX  did not service at the time I moved, I have a high XXXX XXXX, and have always paid my other debts on time. I told XXXXIC System to cease & desist and they are continuing to harass me. They filed a collection with the credit reporting agencies, whom I had to contact to have the collection removed ( which they did ). Please see the attached letter for my correspondence with XXXX  ( XXXX XXXX ) and with the credit reporting agencies ( XXXX XXXX ).
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (NY)

out of the three major credit bureaus, equifax has always reported incorrect information on my credit history. THEY ARE INCORRECTLY REPORTING MY NAME AS XXXX XXXX, this is not my name on any accounts.since 2013 they have reported my address incorrectly. i have faxed and mailed my correct address to them. this had still not been resolved. there are creditors that have been paid in full that are not reporting any longer. XXXX  and XXXX have deleted them ( XXXX, XXXX, XXXX and XXXX XXXX ). equifax has been provided with the paid in full letters and refuse to delete these companies. after the 12th investigation they are stating that the balance is showing as XXXX and they will continue to report. refusing to delete. when i call i am given instructions to fax and mail, along with sending my government i.d and social security card. 12 times. the last time was XX/XX/XXXX, XXXX there is still no resolution. they are also reporting that a fraudulent XXXX  account that has also been deleted by XXXX and XXXX. euifax refuses to delete. causing me to loose employment, housing and not being able to obtain student loans for my XXXX children in college that will have to leave next semester
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per previous request, My complaint issue was never resolved with a confirmation that my account was unfrozen. I did follow your response instructions and login to XXXX account and followed through the process requested ti resolve my issue. I did so, and never receive a confirmation, that indeed, my report was unfrozen.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (TN)

I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.
Consumer complaint received 2022-06-15
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. (LA)

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

15 U.S.C 1681 section 602 A. States I have the 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 2022-06-15
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. (LA)

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

15 U.S.C 1681 section 602 A. States I have the 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 2019-03-26
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. (TN)

I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (MO)

In XX/XX/XXXX over several visits I visited XXXX XXXX XXXX and always provided co-pay payment with each visit. At the end of XX/XX/XXXX XXXX ( AKA XXXX XXXX XXXX ) was sending me different amount due on my account. I made phone calls and two trips back up to XXXX settling the matter. As of XX/XX/XXXX I provided bank statements with charges applied that matched each visit. ( Basically did their job for them ). XXXX located at XXXX XXXX XXXX location in Kansas took the statements. I called her back a few days later and she said my account was paid in full. Now almost 2 year later I received a collection letter last night. When I spoke to my insurance company back in XX/XX/XXXX they told me all I would owe is the co-pay of {$65.00} for each visit. Which I have done and provided proof back in XXXX. Matter of fact I don't have copies of these statements because XXXX asked if she could have them to fix my account so I gave them to her. 
Last night I received a collection request from XXXX XXXX XXXX on account XXXX File # XXXX for {$62.00} owed. I have never seen this amount. Another new amount. I have documentation of the dated of service. I believe there could be fraud for all the different amounts they keep trying to bill me. 
I don't know what else to do. Please help.
Consumer complaint received 2018-10-17
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. (MN)

I used the credit card to make some large purchases and suddenly my account was closed. The card earns 2 % cashback and the bank will not give me the {$380.00} that I should be receiving in cashback.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

so back in XXXX of last year I bought a computer on XXXX and put it on my XXXX credit card. The guy who sold it to me gutted a bunch of apple parts on it and I took it to apple to check it out and they confirmed there was a Bunch of broken parts in it and bunch of apple parts take. out. I had proof from XXXX sent it on to XXXX and they refused to do anything about it they and I sent it to XXXX XXXX and they still reufsed to do anything about it after proof and everything. so for reason I am still paying for a broken computer this is the XXXX problem XXXX problem is I paid my bill on XX/XX/XXXX on there website eve thing looked good when I paid it so when I called on the XXXX to find out why they never posted my payment they said they never got it so I was upset talked this customer service reps who are very very rude so I paid the payment on the XXXX and asked to remove the late fee they refused take to the managers they still refused. they didn't tell me anything about adding XXXX to the minimium payment so I called on XX/XX/XXXX told them I made my payment the rep on the phone checked it and said I was fine he didn't tell me about the extra XXXX they added to the minimum payment so today they are counting me as delinquent saying I owed another XXXX on top of the minimum payment and they are charging me another XXXX late fee on top of that. so they don't post my 1st payment last month they add XXXX to the minimum and then give me too late fees. I want this whole thing fixed and my XXXX refunded
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-15
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. (NC)

I noticed information on my credit profile that was not correct in XXXX on XX/XX/28 I send dispute in about these inaccuratices. On XXXX I notice I did not receive a respond and send a demand to comply in and still lack of communication back to me it's almost 2 weeks later and still nothing.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

So, I tried to get a Police Report for the this Suspicious Activity item on my XXXX XXXX & XXXX. Unfortunately, due to my jurisdiction they're unable to do so, even if that wouldn't help resolve my case no how. What do I owe to Bank of America to not remove this from my report? I didnt received a notification when it was first reported. This situation does not effect Bank Of America.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc (NC)

I contact KLS Financial Services Inc. and informed them I do not owe this debt and it was added to my credit report with out notice. They added 4 account to my XXXX  report. this needs to be removed immediately.