davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After 3 complaints through this system ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), Experian has failed to send updated credit reports as documented. What are my legal rights? Why is this happening? Who is responsible for investigating this?
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IL)

I applied and was accepted for a credit card with Citibank the first week of XX/XX/year>. The card was never mailed out to me. I called after 3 weeks who said they'd send a replacement card in 4-7 business days but in order to track and expedite shipping they'd have to report the card as stolen? After 2 more weeks after I didn't receive the replacement card I called Citibank who said this was not shipped tracked or expedited. 

There is a 3 month promotion with this card, which is why I got the card and now I'll have less than half the time to fulfill this promotion assuming they decided to actually ship the card out to me. I have done research and this seems to be a common theme with Citibank credit cards where they delay or don't send it. They're running out the clock on a promo.
Consumer complaint received 2022-04-08
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: WELLS FARGO & COMPANY (TX)

I submitted a dispute on XX/XX/2022, through the Consumer Financial Protection Bureau ( CFPB ) case number XXXX regarding WELLS FARGO BANK N.A. , XXXX XXXX XXXX ). I disputed the account, by providing an FTC Statement listing the account in question as fraud. Wells Fargo sent me back a letter XXXX XXXX stating the account in question was indeed mines. They went on to submit an application that confirmed that I had indeed opened the account. The application that they submitted has an address that I am not familiar with and have never lived at ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ). I have attached the FTC Statement, my identification that verifies me, and the notice to furnishers Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-05-01
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. (FL)

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX   XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was XXXX in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Consumer complaint received 2019-07-28
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. (AZ)

I have contacted Transunion about me being a victim of their inquiry problem and they have yet to remove inquiries that I have kno recollection of I have posted the inaccuracies below these inquiries should be removed XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-08
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. (GA)

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Secation 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The bank is charging me a fee of {$35.00} in error due to processing. On XX/XX/2020 I had a balance of {$14.00}. A ach from an investment company for {$5.00} was pending which brought my balance to {$9.00}. On XX/XX/XXXX I used my card at the pump and used $ XXXX this amount is processing. My account was negative by {$8.00}. On XX/XX/XXXX early am I transferred {$10.00} from another checking account that I have with the bank. This amount is still processing as well. The bank charged me {$35.00} for the {$5.00} ACH transaction stating that the {$17.00} was paid even though it is still processing. The {$5.00} is now showing on my transaction history. I do understand that the bank has no control how what gets posted first but the ACH transaction has been pending since XX/XX/XXXX and the gas transaction pending since XX/XX/XXXX. At this point the bank is trying to collect {$35.00} due to the current pandemic. They couldn't return the gas so they instead returned the last transaction to hit my account which is the ACH transaction for {$5.00}.
Consumer complaint received 2022-09-11
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and Experian is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't Experian reporting any payment history? How can I be on time with my payment in XXXX of XXXX with XXXX but charged off the very next month? When was I reported late with XXXX XXXX or Experian? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

For the past 18 months I have requested, patiently and respectfully, that Experian verify and perform a complete and proper investigation on the Bankruptcy they are reporting under my name and attached to my social security number. Time and time again I have received an XXXX generated " verified as accurate '' with 3rd party reporter XXXX. Then I was told, over the phone, to go look it up for myself in XXXX and with the courthouse. I was told misleading information in that the courthouse was reporting this information. I have affidavits and other documents that confirm this is not true. The courts have nothing to do with credit reporting agencies, and they can not offer or confirm information over the phone or e-mail. There would be no way for them to legally do that as they CAN NOT GIVE OUT SOCIAL SECURITY numbers. So, that was not accurate. Then, I looked up the case in XXXX, and the social security number does not match mine. Now, as I was also advised to do, I contacted XXXX to get my report, which Experian claims is their source. I am attaching the files and there is NO BANKRUPTCY records under my name, date of birth, social security number, or any other numbers that clearly identify me. Again, I have been more than patient and this has been going on for far too long. I am tired of these blatant violations of my right under the Fair Credit Reporting Act. I am attaching the XXXX report.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a credit card account with Neiman Marcus ; account number XXXX. I have paid for all items I purchased and did not immediately return as the description of the size on line was not accurate, and the item ( clothing ) once delivererd was too small for me to wear. I owe no monies to Neiman Marcus as all purchased kept have been paid for, and all other items purchased were timely returned for credit. I have all the credit return mailing information.
Consumer complaint received 2022-10-08
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)

XXXX XXXX XXXX, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Apparently I had a Pell Grant overpayment in the last semester. XXXX XXXX XXXX did not send any letters to my house whatsoever. All of a sudden, I received a letter from the Department of Education stating that I was defaulted on this over payment. Which Ive never heard of before at all. I tried calling the XXXX business office and the financial Aid office, all they told me was my account is not with XXXX anymore and I need to deal with Dept of ED. Even though I paid the overpayment as soon as I learned about its existence it still got on my credit report. Im asking XXXX to correct the error and remove it from my credit report! 

U S DEPT OF ED/XXXX XXXX US DEPT ED Account XXXX XXXX - XXXX Account Type Installment Account - Installment Account Account Condition Closed - Closed Date Opened XXXX XX/XX/XXXX - XXXX XX/XX/XXXX High Balance {$0.00} - $ 946 Monthly Payment {$0.00} - {$0.00} Account Balance {$0.00} - {$0.00} Last Reported XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Amount Past Due - - - Limit {$0.00} - {$0.00} Remarks - - Responsibility Individual - Individual Past Due - 30 DAYS 0 - 0 Past Due - 60 DAYS 0 - 0 Past Due - 90+ DAYS 0 - 0 The table below represents 24 months of account repayment history
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc (CA)

My current mortgage servicing company is Capital Mortgage Services of Texas, XXXX XXXX XXXX  XXXX, XXXX Texas XXXX ( XXXX ) XXXX. I am in escrow to refinance this loan with a mortgage lender. The Title company and myself have made several attempts to contact this servicer for a payoff demand and we have received no response, other than a loan sales person attempting to sell me a refinance from their company. 

Capital Mortgage Services of Texas is preventing me from closing escrow and threatening the lock on my rate to expire.
Consumer complaint received 2022-09-11
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Request for Removal of Unauthorized I identity theft Hard Inquiries Dear XXXX, XXXX I am XXXX to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized Identity theft inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX