davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 
Macys : I do not have, nor did I ever open, a Macys credit card account. This account appears to be fraudulent. 

XXXX XXXX XXXX XXXX : XXXX XXXX is reporting an account that I did not open. I have never had any financial relationship with XXXX XXXX, and I suspect identity theft in this case. 

XXXX XXXX XXXX XXXX XXXX  is listing a credit account with late payments under my name. I did not apply for any accounts with XXXX XXXX, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.
Consumer complaint received 2022-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Opportunity Financial, LLC (IN)

I called Opploans that this current was filed under my XXXXXXXX XXXX bankruptcy, I was told that problem would be resolved and changed off my credit report. 
I recently called to check status of this I was informed that nothing has been done. 
This why I am filing a complaint opploan had time to change the status on my credit report.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 The Credit bureaus stated XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX and XXXX XXXX account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I submitted a dispute to Experian that they received onXX/XX/2023. They responded with an email ( attached ) datedXX/XX/2023. In the email, they allege that the dispute : " does not appear to have been sent directly by you or to be authorized by you. '' The email also said that : " As a precautionary measure, we have not taken any action on your alleged request. '' The dispute in fact came directly from me which is why in the dispute letter I included a copy of my Social Security Card and my current bank statement which is something only I would have access to. Experian is using this tactic to stall the process. Please enforce them to follow the law & investigate my dispute or delete the accounts if they can't do an honest investigation. I'm including a copy of the exact dispute I sent them so that the CFPB can see the tactics Experian uses to circumvent an investigation.
Consumer complaint received 2022-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2500.00}.
Consumer complaint received 2022-06-25
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. (NY)

In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # : XXXX Account Name : XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX 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 2022-09-19
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-09-19
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. (OH)

My name is 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 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my right. 15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

On XX/XX/2022 I was the victim of a very tactical scam. The scammers targeted my savings account and submitted XXXX checks to USAA for {$2500.00} each. I contacted USAA on XX/XX/2022 notifying them of the fraud. They have frozen my accounts. I was informed that there would be a XXXX business day lag before I had access to my funds. It is now XXXX days later and I still do not have access to my funds. I have bills to pay, money in my accounts, and no way to pay my debts because I can not access my own funds. 

I have filed a fraud alert with the XXXX, XXXX, and XXXX credit agencies.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my right. 15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Out of the blue, USAA sent us a bill stated that we were delinquent on a payment. We had a USAA card in the past but no longer have it, I have written two letters to them stating that he do not have the card and can not have used it. They have sent us emails which claim to have the statement for the month the obligation was incurred but no statement was attached, nor was I able to find a statement on their website. They have now reported a liability on our credit report.
Consumer complaint received 2022-06-25
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. (TX)

I am filing the complaint against XXXX, EXPERIAN and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for OVER A YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2022-08-02
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to repair and update some information from my credit report ; however, there's still this certain account that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope these disputed accounts are removed : XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2022-06-25
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. (TX)

I am filing the complaint against XXXX, XXXX and TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for OVER A YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that 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 an account without my written instructions.
Consumer complaint received 2022-06-25
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. (PA)

i suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account : 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 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account : 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 2023-03-24
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. Please delete.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair Credit Reporting Act, Bank of America Credit Card opened in XX/XX/2015 has violated my rights. 15 U.S.C 1681 section 602 states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section2. It also states a consumer reporting agency can not furnish an account without my instructions. They closed the account while i was XXXX in the military.
Consumer complaint received 2022-08-02
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. (OH)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX* Balance : {$0.00}