davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/2020
Consumer complaint received 2023-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Multiple unauthorized hard inquiries on my credit report within a couple months time. 

XXXX : - XXXX XXXX XXXX XX/XX/23 - XXXX XXXX XXXX  XX/XX/23 - Capital One Auto XX/XX/23 XXXX : - XXXX - XXXX XXXX XX/XX/23 - XXXX XXXX XX/XX/23 - Capital One XX/XX/23 - XXXX XXXX XXXXXXXX XX/XX/23 XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.
Consumer complaint received 2023-02-27
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. (FL)

I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXXXXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with XXXX before a 30day late. XXXX XXXX reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with Experian and XXXX points with XXXX. 

I called the Customer Service Department XXXX XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau.

To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead XXXX and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-13
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: HCFS Healthcare Financial Services of TeamHealth (TX)

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX- Contains several errors and other sensitive information. This letter received today states- XXXX responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, XXXX could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

XXXX XXXX as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND XXXX DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. XXXX has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.
Consumer complaint received 2020-11-13
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. (NY)

There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pro Com Services of Illinois, Inc. (IL)

I have recently reviewed my credit report and the following account XXXX XXXX XXXX XXXX XXXX does not belong to me and is a result of identity theft. I have requested a written contract between me and PRO COM SERVICES and XXXXXXXX XXXX XXXX XXXX XXXX doesn't exist this is in violation of my rights. According to the fcra 15 US Code 1692g as described in the validation notice. The validation notice contained the statutorily-required statement regarding the collector 's obligation to obtain verification of a debt or a copy of a judgment if the consumer notifies the collector in writing within a 30-day period. I want this collection removed asap please.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Is been about 6 months or so that I been contacting the credit reporting company about this problem. There is a bankruptcy being reported and I spoken to all 3 agencies about this. They told me that XXXX is reporting this as accurate. I spoke to XXXX and they have informed me that they Do Not have a file on me and are not reporting any bankruptcy and Have Not reported to the credit bureau. I been asking them to investigate this and it keep coming back as verified, but by who because XXXX is not reporting like its stated on my credit report. Also I dispute this with XXXX and it's been removed already.
Consumer complaint received 2023-02-27
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recoveries, Inc. (NE)

I sent a validation letter to the debt collector regarding this alleged debt via certified mail return receipt and received a letter back saying that I didnt provide any information for validation of the debt. They sent this letter the same day after the validation letter was sent to them. Therefore they have refused to validate the debt. They have not even so much as investigated as provided by the almost immediate returned letter. I have provided my name, address and other verifying information which they do have because they are marking it on credit report. I will provide copies of everything I have sent and received
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Chatted with a Capital One representative onXX/XX/XXXXaround XXXX about payment options for late payments and what options were available as a result of covid-19. We were able to make arrangements to cover the late payments but the company seemed to be unwilling to suspend the interest I was going to accrue while making the payment arrangements. I totally understand I was late but I would've hoped they would've been able to pause my interest. 

Attaching the payment terms we agreed to for reference.
Consumer complaint received 2023-02-26
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: 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 - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following addresses are also in violation of my consumer rights : Address 1 :XXXX XXXX XXXX In XXXX Address 2 : XXXX XXXX XXXX AR XXXX The following alias listed on my credit report are a violation of my consumer rights : 15 USC 1681 section 602 A states I have a 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 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK (OH)

I bought the car in XX/XX/2022. I started making payments but a payment supposedly was rejected by my bank. I talked to the bank and the payment never appeared on my account. I talked to loan servicer. The payment went through. I processed another payment and another payment but the third payment didnt go through again. I talked to my bank. The payment never arrived. The loan servicer called and called right back. I was told I called after hours. I was told to call during business hours. The loan servicer already added a late fee. The loan servicer is Mechanics Bank. This seems to be a pattern. My current interest rate is 8.25 % for 75 months.
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CT)

I suggested XXXX in XXXX on XXXX, lost my job and income, and took 7 years to settle the lawsuit in our favor, however, the cards that Chase are reported as written off referred to a first missed payment in XXXX of XXXX, and since the statute of limitations in CT, is 7 years, this debt was unenforceable by XXXX of XXXX, and written off XX/XX/XXXX, when my score dropped XXXX points. 

This information needs to be moved from my report as it is no longer a legal debt. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

TO REMOVE IMPROPER AND INCORRECT COLLECTION ON MY CREDIT REPORT FROM XXXX XXXX XXXX. REMOVE IT. IT'S FALSE AND NOT TRUE!! SEE SUPPORT DOCUMENTS. SEE ATTACHED.
Consumer complaint received 2023-02-26
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)

The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX XXXX XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX
Consumer complaint received 2023-02-26
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: The Savings Group, Inc. (CA)

Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX Credit Report XXXX XXXX : Organization : RateGenius , Inc . 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX XXXX XXXX : XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

This company promised me payment for deletion in XX/XX/XXXX. My last conversation with them I had to do was pay {$16.00} on XX/XX/XXXX. All late fees of over {$200.00} was forgiven due to their mistake. My prior last payment was XX/XX/XXXX. I have been arguing with this company who keep lying over the phone over their promises. Please update account to NO LATE PAYMENTS, NO CHARGE OFF or else remove the whole account due to violation of FCRA by reporting false information.
Consumer complaint received 2023-02-25
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. (GA)

The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX XXXX  XXXX  XXXX ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I attempted to make a purchase of {$2500.00} on XXXX XX/XX/2020 with my credit card. The company declined the charge, twice. I called the company and had to sit on hold for 20 minutes before getting to talk to a lady with an accent so thick she was nearly impossible to understand, forcing my having to ask her to repeat what she'd said over and over. When I asked why they'd declined the charge, she kept repeating that the attempted charge had " triggered their fraud protection program '' and refused to provide any other information. She would not say why the charge was declined nor whether the same thing would happen again another time. She also repeatedly said that the charge was now approved, even after I told her several times that I'd successfully made the purchase with another credit card company 's card, which accepted the charge on the first try, so it didn't matter whether Capital One approved it now. 

The company provides no means to contact them by email. The only options for contact are calling and sitting on hold for an extended period, only to talk to someone incomprehensible who can't understand you, either, or by US Mail.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I received a letter from XXXX XXXX XXXX informing me they have the information on my credit report corrected for XX/XX/2021. The same letter was sent to Equifax and they neve had information corrected.
Consumer complaint received 2023-02-25
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. (VA)

in 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