davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (IL)

I am filing this complaint to request that Experian delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with Experian and they have verified the item as accurate several times, stating that Experian had verified the information with the court. 

On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court.

According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my Experian report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois. 

This unverified bankruptcy is apparently being reported by third party record provider XXXX XXXX without any validation or verification that the bankruptcy information is accurate.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened up a checking account with Capital One Bank on XX/XX/2022, which they branded as Capital One 360. With the account I had with them, I kept getting hit with error messages on a frequent basis whenever I try to utilize some of my accounts features and I still get restricted on how I can utilize that account even after I sent them photos of my ID plenty of times, so that prompted me to transfer my funds from that account to other accounts I had at other banks and/or payment processors. On XX/XX/2022, I called them about their decision to close my account because of a security risk and one customer service agent told me there were 15 devices used to log into my account and she wouldnt describe to me as to what they were ; however I only used my laptop and mobile device ( app and website sometimes ) to log into my account and I also admit to linking 2 VOIP numbers to that account of mine so I could log into my account when they restricted my main mobile number for that same purpose.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (MD)

The credit bureaus stated XXXX XXXX XXXX balance XXXX dollars was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is no accurate .This is grounds for removal. They 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 a account without my written instructions, i havent given these accounts written permission to furnish these accounts on my credit report because i have been disputing that this is not my debt. It is against my rights to no provide me with valid proof, Experian and XXXX is validating by calling the debt collector and verifying my name and DOB, that is not valid proof, they also have blocked me from seeing the investigation online which is also against my rights. This debt is also showing as open and it is not my debt or do i have a contract with these people. The lawyer is intimidation the credit report agencies and they keep coming back with information was reported accurate, this is a apartment complex that have the ability to sue me in court if this was my debt, this is not a credit card or open loan. There is not eviction on my credit from this place also, so how do i owe anything to this debt collector. XXXX XXXX XXXX has violated my rights by spamming my phone and email and not providing me with the proof i have asked for.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-06-23
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: United Revenue Corporation (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-09-21
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. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience. 

XXXX  XXXX XXXX
Consumer complaint received 2022-07-15
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)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$6300.00}
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 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. XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, Ny, XXXX XXXX ] [ Transunion ] [ XXXX XXXX XXXX [ PA, XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from Transunion dated XX/XX/year>. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon checking my credit report, I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ). All 3 credit bureaus have a different account number, account type as well original balance. I have tried disputing it with the credit bureaus but have been unsuccessful. I have attached such documents showing the inconsistencies from all 3 bureaus.
Consumer complaint received 2022-05-25
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. (NY)

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts and inquires are listed. Please see the below accounts and inquires in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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 — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (WI)

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX On XX/XX/XXXX and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. XXXX claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX To let them know these accounts not mine SEVENTH AVENUE XXXX and MONTGOMERY WARD XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, Seventh Avenue and Montgomery Ward ignoring me. 

I sent another letter on XX/XX/XXXX to XXXX asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX I contacted Seventh Avenue, Montgomery Ward and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XX/XX/XXXX I wrote another lettre to XXXX letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

XXXX letters sent to these companies and nothing done to resolvee
Consumer complaint received 2024-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (IL)

PARTIES TO THE AGREEMENT 1. Secured Party : XXXX XXXX XXXX, Heir and Assign ( hereinafter " Secured Party '' ) : 2. Debtor : Pentagon Federal Credit Union ( " PenFed '' ), its agents, assigns, or representatives ( hereinafter " Debtor '' ).

RECITALS WHEREAS, the Secured Party is the lawful and rightful owner of all titles, securities, accounts, instruments, applications, and assets arising from or associated with the estate of XXXX XXXX XXXX ; WHEREAS, PenFed has engaged, or may engage, in financial activities including monetization, securitization, issuance of interest, dividends, or coupons involving said assets without direct authorization from the Secured Party ; NOW, THEREFORE, the Secured Party asserts this Self-Executing Security Agreement as binding under the terms outlined below :
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (PA)

Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXXXXXX XXXX XXXXXXXX without my consent. According to FCRA, this is against Hipaa law.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation (AK)

My checking account was charged {$1900.00} on XX/XX/year> XXXX by " ASPIRE XXXX XXXX GA XXXX XXXX ''. I alerted my bank that morning, canceled my debit card and initiated an investigation. Then I attempted to contact Aspire XXXX XXXX using their on-line form. After waiting 2 days for a response, I called their customer service number. They will give me no information about the charge. Meanwhile, my bank has charged me {$43.00} in overdraft fees for this fraudulent charge. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

The problem is with a citi credit card. I talked to them multiple times about the charges but do not investigate. This is not identity theft it is simple wire fraud. 
I am receiving charges from XXXX different entities. On is called XXXX and the other is XXXX XX/XX/year>. These look fake. 
The both indicate interest payments, but I have never done business with these people. This is not an interest payment to Citi. ONe is for some type of audio equipment company and the other is for a public relations firm. I have no need for such services. 
I faxed a XXXX page document to XXXX XXXX XXXX from XXXX, I never hear anything back. 
Talking to dispute people at citi is a waste of time. 
It is best to look at a letter I sent to an attorney which includes a lot of detail. 
These are fraudulent charges, and amount to wire fraud. This was over a number of months and I called Citi whenever the charges appeard and they did not or could not investigate. 
There is no where to send a written signed dispute for for Citi Credit Cards, Just debit card transactions and they never respond.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had an account at XXXX Bank. They claim I have an overdraft amount of XXXX, That is in correct I received a bill from Target request the overdraft fee and the money that I have being paying back. I can not owe two people the same thing when I am in the process of paying the original debt. This fraud they kept the account open to accrued fees for a debt that is being paid. This is fraud and defamatory, bulling in nature.
Consumer complaint received 2022-09-21
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX from XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed a ton of problems on my credit report after my XXXX XXXXXXXX account notified me that my information was on the black market I checked my credit report and I have not tried using my Credit for inquirys at all recently And there are a ton of inquiries recently on my report
Consumer complaint received 2022-11-07
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: CLGF Holdco 1, LLC (CA)

ACCORDING THE FCRA, This company has VIOLATED my consumer rights!! NONE OF THIS INFORMATION WAS SHARED WITH ME FROM THE COMPANIES LISTED BELOW. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Name : CB Indigo Account Number : XXXX Account is reporting late 60 days XX/XX/2022, late 30 days XX/XX/2022, XXXX  30 days. Remove this late payment immediately. 

MY PERSONAL INFORMATION WAS SHARED WITHOUT MY CONSENT! DELETE THIS LATE PAYMENT IMMEDIATELY!