davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (NY)

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX CREDIT Account # XXXX XXXX - CARD SERVICES Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX XXXX doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2022-05-14
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Under 15 U.S.C 1681i ( 7 ) method of verification, this account is in violation ; it was reported without valid evidence. I have no knowledge of this account.
Consumer complaint received 2022-06-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX CREDIT Account # XXXX XXXX - CARD SERVICES Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX XXXX doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-05
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. (PA)

In accordance with the Fair Credit Reporting act US DEPT ED 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 2022-07-05
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting XXXX, everything has to be 100 % accurate on my credit report. 
There is a significant inaccuracy on my Credit Bureau Equifax by XXXX XXXX XXXX During the peak of COVID I discovered credit fraud with a false account under my name. I contacted the Equifax about this and was told to fill out an identity theft report with the Federal Trade commission. I did this and everything that was asked of me to submit and complete. 

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. 
This proves that my credit was fraudulently used by someone other than myself and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 2022-07-04
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. (WI)

In accordance with the Fair Credit Reporting act 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 2022-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX is sending me to collections over a non existent debt. 

On XX/XX/2022 i purchased a XXXX XXXX XXXX XXXX XXXX' that costs {$30.00} ( XXXX dollars ). I paid with my debit card that same day. 

later on they billed me in XXXX different chargers and the XXXX XXXX XXXX XXXX XXXX. I paid in full the other part of the debt but i didn't paid for the XXXX because i thought it was a mistake. 
i tried to reach them over the phone several times but no one ever answered on their billing department. i tried calling the phone number listed in the medical bill to explain that this debt was paid in full the day of the service but no one ever answered me or return my call. 

On XXXX they billed me again just the charge for the XXXX XXXX XXXX XXXX XXXX for {$30.00}. At this point i contacted them over the phone to the billing department as well to the phone number in the bill. No answer, no call back. I even sent a dispute to their XXXX XXXX XXXX billing disputes and no answer. 

today XX/XX/2022 i found that they sent me to collections for a service that i already paid and i have bank statements showing that on XX/XX/2022 i paid in full. 

i contacted the collections agency and they were very kind and helpful. they asked me to email my proof and they put XXXX XXXX XXXX under investigation and they are waiting to hear back from them.
Consumer complaint received 2022-07-04
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I filed a recent complaint and they responded with an answer that contradicts the letter they sent in response. They have denied my request to obtain information my mother 's loan even though I have submitted proof that I am on the deed to the house and qualify as a Successor in Interest according to Regulation Z. Also, to stop sending correspondence to the house where renters are retrieving the mail. 

They are trying to foreclose on the house even though I have the means and ability to refinance the home. I have been approved for a loan to do so already. But the lender can not do anything while the home is in pre-foreclosure status. It seems like PHH is doing everything they can to keep me from legal property.
Consumer complaint received 2022-07-05
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. (NY)

I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX XXXX XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc ()

I am having problems adding money or withdrawing from my pay pal mobile wallet. The company just sent me a message that Ican nolonger use pay pal and that my account was permanently limited yet I have not violated any of the policies of the company. The case ( XXXX ID - XXXX ) under my pay pal mail XXXX. Please I need assistance because I have been using to receive payments from tutoring platform XXXX and now I am unable to add funds to the pay pal account. Please compel the company to respond to my please and restore my pay pal account to normalcy. I previously raised a complain and The company did not resolve my dispute.
Consumer complaint received 2022-06-21
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. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX. # XXXX XXXX XXXX Bank 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-04
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: JPMORGAN CHASE & CO. (OR)

This is regarding a Chase Business Credit Card. 
I called to inquire about a credit limit increase. 
While being asked questions about my income, I suddenly received alerts stating that I have a hard credit check. I did not authorize a credit check. I did not know there was going to be a credit check. 
The agent on the phone ( recorded call ) admitted that she did not disclose a credit check would be performed. She apologized. But that does not fix the fact that a hard credit check was performed without my authorization. I was simply answering questions about income. 
I called Chase and they declined to assist me with this issue. They said there was implied consent. I informed them that there was ZERO mention of running my credit and asked them to review the call. They declined and refused to assist further. 
I want this hard inquiry removed from my report. I did not authorize a credit inquiry.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

RE : XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( XXXX ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

I have sent TRANSWORLD SYSTEM INC certified mail return receipt to validate the debt and they have not furnished anything nor do I know who they are. My credit report is saying that the this is a third party debt collector and this is FRAUD. Please remove this from my credit report indefinitely!
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (AZ)

When activating a new Apple Credit card you bring your XXXX near a spot on the mailer and it automatically activates the card. Apparently this also ( without asking ) adds your account information to allow Apple to charge this new credit card during any Apple purchases. In my example the card information was added automatically and was then charged for the monthly cost of additional Apple cloud storage space even though I had previously only authorized a different card to be charged.
Consumer complaint received 2022-06-09
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. (MI)

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 15 USC 1681 section 602 ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (AZ)

Sent COMENITY CAPITAL/XXXX a letter on XX/XX/2022 to remove from my credit reports due to failure to provide a binding contract with XXXX signatures. COMENITY CAPITALXXXX also did not provide a written consent giving authorization to access my credit report per consumer protection law.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC XXXX XXXX XXXX  XXXX is violating my consumer rights. by trying to collect a debt. 
PLEASE SEE ATTACHMENTS I XXXX  XXXX, the Principal and Authorized Representative for all accounts created by my seal/signature, I am the Original Creditor Federally, Protected Consumer, I am declaring that my right to Privacy as a federally protected consumer is violated. stated in FCRA USC 1681 and the FDCPA USC 1692. The accounts listed her has chosen to disregard or ignore my ID Theft Report. LVNV FUNDING LLC violated 611. Procedure in case of disputed accuracy 15 U.S.C. 1681i According to the statute these companies had plenty of times to Validate/ Verify the account. 
They have far exceeded the 5 business day reply 30 day investigation to verify/ validate the alleged debt, even the 15 day extension to investigate this debt. 

Is it a Fact, XXXX XXXX XXXX has accessed my OPEN-ENDED CONSUMER CREDIT PLAN. I demand verifiable WRITTEN & NOTARIZED proof that they have not done so, in a statement of fact.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

The Credit report should only reflect criminal records according to Title 15 USC 16 81 b2 A. 
There several addresses that are reported that are not correct. 

There are discrepancies because most of the items on the report were not authorized.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Closure Request Account XXXX XXXX, Wells Fargo has made the business decision to no longer accept secure message or emails from retail customers. Therefore, I am filing this routine request in writing via the CFPB. 

Please close the captioned account at your earliest convenience. 


XXXX, XXXX
Consumer complaint received 2022-06-19
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account with XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (SC)

Capio Partners has violated my federally protected rights under 15 U.S.C.1692g. Per my consumer reports, this debt collector opened a collection account on XX/XX/2022 in the amount of {$1000.00}. I DID NOT receive a XXXX Validation Notice pursuant to 15 U.S.C. 1962g. As a result, I was not afforded my right to dispute this alleged debt within 30 days pursuant to 15 U.S.C. 1692g ( a ) ( 3 ).