davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. 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 didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX these items above should be removed from my report immediately.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: FIRST ADVANTAGE CORPORATION (VA)

I just logged in to see my complaint status, a supposedly resolved. Not true, the company First Advantage XXXX XXXX finally responded, but only to the CFPB. I was never notified, nor did they reach out to me, probably because their " client '' Arise never provided a legitimate contact for me as part of the identity theft scheme. XXXX knows that their " client '' is engaged in unscrupulous and illegal activity yet chooses to retain them and take their fees for background services. CFPB responded to this site ( not me personally ) with : XXXX XXXX XXXX XXXX. First Advantage were instructed to perform the background check for XXXX. XXXX  being a client of First Advantage, certified they had obtained the consent / authorization of the individual in order to have the background check completed. First Advantage reasonably relied on this information and performed the services accordingly. First Advantage 's background process doesn't provide our consumers with any fully visible Personal Identifiable Information ( PII ) such as date of birth ( DOB ) and social security numbers ( SSN ) for identity protection purposes. If this is in fact a case of fraudulent actions, be assured First Advantage didn't deliver anything to the fraudulent actor who may have submitted the application. Our apologies if this has caused any inconvenience of your time and effort to resolve this matter. Any further concerns regarding how this incident may have occurred should be questioned with the potential employer or client ( XXXX  ) in which this was applied. 

( end response ) Not only has this caused an incident of identity theft and hardship, the background check company is knowingly engaged in illegal activity ( note forged " consent '' ) and does not get a formal response from XXXX who is a paying client. I expect to hear from this company and Arise to resolve this illegal and criminal activity in the next XXXX business days or legal action will be pursued.
Consumer complaint received 2023-01-31
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: Informative Research (NM)

On the evening of XX/XX/XXXX, after working late, I opened a Credit Disclosure Statement from Informative Research stating that I had applied for a mortgage. The address used was the address I had previously lived at in XXXX of XXXX. I was unable to contact the lender, XXXX XXXX, XXXX as it was the weekend and Monday was a holiday. I believed that somebody stole my identity, so I immediately put a freeze with Fraud Alerts at all three credit reporting agencies and called and locked down all of my credit cards. On Monday, I called and left a message with XXXX XXXX ( Mortgage ) to call me back and then called my bank and told them as well. I have also obtained a police report and have a special password should I be pulled over. 
About three days ago, I went through an old credit report and noticed that XXXX XXXX was on there as well and it reminded me that one of my colleagues XXXX XXXX XXXX was trying to help me find a place to live as I was going through a divorce and losing my house. That was over a year ago! I finally was able to contact her last night and she gave me the information to her old boss, XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX I called him this morning and he checked the database and told me the last four of my SSN and my old address. Then he said he needed to get some emails off to corporate and got off the phone real quick. 
Just a bit ago, an real estate agent from his office called me ( caller ID says XXXX XXXX - XXXX ) she pulled my credit " by accident. '' She apologized but was laughing and said my credit looks great. I am very upset and have been under a lot of stress and worry this last 21 days as I believed somebody had my information and was using it nefariously. Shouldn't they have archived or destroyed my information 90 days after permission was given to use it?
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MI)

An account was opened fraudulently in my name with this creditor ( XXXX XXXX XXXX ) and its effecting my credit and Ive tried everything I could to inform them that the account was fraudulent filed a police report and sent it also it says the account was closed on XX/XX/2022 but theyre still reporting missed billing payments and the last payment that was just reported is XX/XX/2022. Also a collection company contacted me about the account and I informed them what was going on they told me that there wasnt anything they can do and theyre not the ones thats showing up on my 3 credit reports.
Consumer complaint received 2023-01-06
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-01-06
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: BANKERS HEALTHCARE GROUP LLC (NJ)

XXXX XXXX on XX/XX/2022 pulled my credit and I did not apply for anything XXXX XXXX XXXX pulled it on XX/XX/2022 and I did not apply for anything with them
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OH)

My American Express platinum card change the terms of their rewards program without notifying me of the change. They then processed my 2023 annual fee and will not refund it as I do not wish to move forward with their card after the change and rewards. I feel like if the terms have changed and though it has notified me of the change I should not be held to surrendering my annual fee on a card I will no longer use. The credit card company holds that they have sent me a mailing notifying me of the change but I have never received it.
Consumer complaint received 2023-01-31
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. (PA)

I reviewed my consumer reports and noticed that I had multiple late payments on accounts that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts : 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 

Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

Earlier today ( Wednesday, XX/XX/2020 ), the cosigner of this loan received a phone call from the loan servicer ( AES ) indicating that my payment was overdue. When the cosigner notified me of this, I was surprised because for several years my due dates have been the XXXX of each month, and I had made a timely payment of the balance due at the end of XXXX. I logged into my account and discovered that my due date had been changed to the XXXX of the month. I searched through my email account and could not find any emails notifying me of this change, even though AES usually communicates with me by email. 

I called AES and the representative confirmed that AES had in fact changed my due date. The representative searched through AES 's communication system and confirmed that they had not sent me an email regarding this change. The representative told me that all I can do is pay the balance now ; the due-date change can not be undone. Further, he suggested that I should log into my account frequently to see if my due date changes again. After the call, I logged back into my account and paid the so-called " overdue '' balance in full. 

I am reporting this situation because I believe AES has behaved wrongfully in two respects. First, it is inappropriate for a servicer to suddenly make a monthly loan payment due only two weeks after the last payment had been paid on time. Second, no change in payment date should occur without proper communication to the loan customer ; it is absurd to expect people to frequently check for changes in their accounts when they have signed up for email notifications.
Consumer complaint received 2023-01-06
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. (KY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance 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 #, and I'm including it again. Please update these items right away : 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 2023-01-06
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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  Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : 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 2023-01-06
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. (TX)

My credit report shows that XXXX points were taken off my credit score on XXXX XXXX XXXX and the last company to run my credit score was XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX  by a manager/salesman through XXXX XXXX  and XXXX and I was denied the financial loan for 2 rings. I recently got mail from one of the Finance companies ( XXXX XXXX  ) stating that I was denied for Fraudulent behavior on my FICO score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX XXXX XXXX  and XXXX XXXX  and/or XXXX. XXXX  XXXX  report to Experian. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, XXXX XXXX  shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/202XXXX XXXX XXXX  XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per Experian since then. In which per Experian they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the XXXX XXXX. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The manager was the one that ran us for the loans, XXXX XXXX is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (TX)

My Medical information was sold to Assettcare without my permission from XXXX XXXX XXXX XXXX. I file a compliant with XXXX and I am waiting on a email from them. At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. Finally, please provide a affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of FDCPA, XXXX.
Consumer complaint received 2020-05-20
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. (AK)

I had and account with XXXX XXXX that was opened on XX/XX/XXXX I have satisfied and closed on XX/XX/XXXX. I have called to have them remove a late payment that is posting on all three credit bureaus.