davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.
Consumer complaint received 2020-09-19
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. (TX)

Experian is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but Experian will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
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. (FL)

On XX/XX/2020, I asked the credit bureaus to look into an account listed on my report for " EOS '' in reference to a XXXX account. Specifically, I stated that I did not believe this account to be mine, and I requested validation of the account. Since then. I have followed up my dispute with TransUnion and Experian, as well as with EOS, in asking for proof of the debt, as once again, I do not believe this debt to be mine. To date, I have sent a total of 6 letters to TransUnion and Experian, and additionally, a letter to EOS. To date, this account is not even listed as in dispute on my reports, nor have I been provided ANY response, let alone validation of this reported debt. This is appalling. I feel that I have allowed plenty of time to answer my dispute, well beyond the 30 to 45 day deadline outlined by the Fair Credit Reporting Act. At this time I am asking for relief in the effect of removal of the account from my reports.
Consumer complaint received 2020-06-02
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1800.00} XXXX {$530.00} XXXX  XXXX  XXXX XXXX {$63.00} COLLECTIONS XXXX {$63.00} XXXX/XXXX  XXXX {$510.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$980.00}
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

I received a text this morning from # XXXX stating they were SECU ( my bank ) and that they were alerting me to an unauthorized charge for my card ending in XXXX. They informed me to call XXXX to discuss with an agent. When you call the number you are provided with the exact greeting you get when you call SECU. An individual answered the call and asked me for my card number so he could look up the charges. I hung up and then looked on my banking website. There were a total of about 20 charged ( some attempted at {$0.00} ) starting late XX/XX/21 into XX/XX/21. Just wanted to pass this information along since it was unnerving how much the prompting sounded exactly like the real thing! I have contacted my bank directly to inform them of this. 

Thank you, XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block 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 ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX  XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6.XXXX- XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).
Consumer complaint received 2022-04-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1800.00} XXXX {$530.00} XXXX  XXXX  XXXX XXXX {$63.00} COLLECTIONS XXXX {$63.00} XXXX  XXXX {$510.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$980.00}
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (DC)

On XXXX I deposited my first paycheck into citi bank I spent {$15.00} to get home from bank and when I woke up the next morning my account was blocked when calling Citibank they stated they did not see any suspicious acitivity on my account and connected me to the fraud department when connected I was told my account was blocked for suspicious activity which this is a new account so it didnt make any sense I was told my account was referred for closing review up to 60 days I should receive a letter and my remaining funds in the account and was then hung up on disrespectfully it is now XX/XX/2022 pass the 60 day period and I am still getting the run around havent recieved any letter about my account nor the Remaining funds in the account this has put a big dip into my stability when I reached out last week I was told my letter was sent which I never recieved and once again was hung up on disrespectfully I need answers and a solution citi bank has done this to multiple clients with no explanations and refuse to give money back that rightfully is their own
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I have been using my Amazon Rewards card since 2009 and have been a faithful customer. XXXX day I noticed there were a few purchases on the Amazon Chase Awards card that neither my husband nor I made. Next, I told both Amazon and Chase about the purchases. I received no response until a couple of weeks later a new card arrived in the mail. I contacted them and said I did not want the new card and they said they thought it was best as I had reported identity theft on it.

When I went to my account ( s ) as the first card was still being used by me and I did not activate the second card I discovered that my Rewards were all gone and I had about 5000 of them on the old card. 

When I purchased something I noticed that sometimes it would go on the new card and sometimes it would go on the old card. 

When I went online to pay the bill sometimes the old number would come up and some-times the new number came up, but I could not access the two accounts with the same sign in.

I contacted Chase and a foreigner, XXXX, talked to me, whom I could barely understand. She asked me if I was calling about my Southwest card! I said no and that I was calling about my Amazon Rewards cards. She told me I had no Amazon Rewards cards???????

I hung up. I did not give her any numbers of the cards or anything like that.

When calling about the Amazon cards I always used the numbers that were on the back of the cards, which were the same number. 

I then tried to tell Amazon about the situation and they told me to call Chase and that they could not help me.

I do not know what to do at this point. I do not know which card to pay, how to pay it, if it is in fact Chase I would be paying or if it is a hacker.

You will see by the files I uploaded that one purchase was one card number and another purchase wanted the other card number. 

Please help me. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-01-31
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-19
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: CarMax, Inc. (FL)

I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

1. NATIONAL CREDIT AUDIT CO I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus Experian, XXXX, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. Below I attach the letters sent to the bureaus. 
The company response was that they needed to verify my personal information, I sent all the documents to verify.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I submitted a dispute letter to both XXXX and Equifax. As of this date. XX/XX/2022 I have yet to receive a response. I have attempted to call both of these agencies but was told that the results of my request were mailed. Still nothing.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

XXXX XXXX XXXX XXXX allowed someone to open a fradulant account Using all of my personal information with out verification. I notified them of this and filed police reports. they turned my account over to Sunrise credit who has been reporting this since XX/XX/2019. They refuse to remove this from my proflle.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!
Consumer complaint received 2021-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC ()

The loan amount was XXXX. I did not understand that I would have to pay 599.9968 % interest over a ten month period. 

I reached out the lender to request to pay the loan off early and was told that I am not allowed to do so. 

I have made several payments and feel that the loan is structured in a predatory manner. 

Over the course of 10 months, the total amount to be repaid will be XXXX.
Consumer complaint received 2020-05-05
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX transunion XXXX number XXXX XXXX  Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my third request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.