davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (PA)

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 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 reports no consent is fraud.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've disputed this inquiries several times, they are fraudulent and weren't authorized by me and I want them removed. Below is a list of inquiries TRANSUNION 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

Re : Fraudulent Accounts Under Investigation for Identity Theft Account Number XXXX To Whom It XXXX Concern, I am writing to LVNV Funding LLC ( Account Number XXXX ) are currently under investigation for identity theft and inaccurate reporting. This account have been fraudulently opened in my name and have been reported inaccurately on my credit file to XXXX, XXXX, and XXXX. As these accounts are not mine, I have initiated an identity theft report in compliance with federal regulations, and I dispute any and all claims associated with these debts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have accurate and verifiable information reported on my credit profile. No verifiable documentation linking me to these debts has been provided, nor has any original account information with signatures or agreements been made available. Further, I invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and Maryland state law ( 14-202 of the Maryland Commercial Law Code ), both of which prohibit the attempt to collect a debt without proper validation or through deceptive practices. It is unlawful to pursue collection or report this debt when it is the result of identity theft and can not be validated with direct, original information. Therefore, I request the following actions immediately : Place both accounts under investigation as part of the identity theft report and cease all collection efforts until this matter is resolved. Remove the inaccurate reports of these accounts from my credit files with XXXX, XXXX, and XXXX. Provide written confirmation of the investigation and eventual removal of the fraudulent information from all credit bureaus. Failure to correct these inaccuracies will leave me no choice but to pursue legal action under the FCRA, FDCPA, and applicable Maryland state laws to enforce my rights and seek remedies, including damages for improper reporting and legal fees. I expect your prompt response within 30 days of receiving this letter, as required by law. I also request that the credit bureaus be informed of this dispute and investigation immediately. Sincerely
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (IL)

On XX/XX/XXXX a check cleared my First Midwest Bank ( now Old National Bank ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account so I clicked to view the check. The name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. The line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. The check had been mailed at the XXXX, Illinois Post Office, and obviously was intercepted at some point and altered. 

I immediately went to my First Midwest Branch in XXXX to report the incident. They reported that the check was deposited electronically at XXXX XXXX XXXXXXXX. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. 

An affidavit was filed around the XXXX of XXXX, when I caught the fraud on my account. It has now been over 3 months and Old National Bank is saying that once the affidavit is filed, things are out of their control. My {$1500.00} has still not been returned to my account. It would seem to be a pretty cut and dried investigation, with 2 glaring changes ( Name crossed out and difference between the dollar amount line and written line amount ). Why would it take so long to return my money?
Consumer complaint received 2022-09-22
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. (VA)

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 2023-04-26
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX and Account name : 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 seven 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 2022-09-20
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. (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 2022-09-22
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. (NY)

It appears that my credit 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/remove these files. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022 facbook advertised a XXXX vacuum cleaner for {$2.00} after filling out a form. After I filled out the form, the merchant, named " XXXX XXXX XXXX' charged me {$54.00}. I immediately messaged them. They did not answered and now has disappeared and can no longer be found on XXXX. 

I disputed the amount with the Apple credit card. The credit card gave me a credit of {$52.00}. For 3 weeks, I have contacted Apple credit card 3 times and said that I never received the XXXX Vaccum cleaner, the merchant is a fraud, that I need to change my account number, and that Apple need to give me the full credit of {$54.00}.

I have a text message from Apple credit card representative saying that they will give me the full credit back but it never happened. I tried again today for the 4th time, and I was on hold for over 1 hr.

Apple credit card AKA Goldman Sachs Bank is failed to comply with the Fair Credit and Billing Act by refusing to give me the full credit since the merchant is a fraud, I did not receive the XXXX Vaccum cleaner, I am not liable to pay the {$2.00}.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

Freedom Mortgage acquired our Mortgage ( # XXXX ) in XXXX of XXXX. Since then I have received almost monthly letters regarding the insurance for the Condo Unit. Until they acquired the mortgage, I had never had an issue with insurance for the Condo ( which we have owned since XXXX ). They are claiming that we did not have sufficient coverage for XX/XX/XXXX - XX/XX/XXXX and have charged XXXX {$700.00} for this time period. I have two issues with this charge. 

XXXX ) It was not clear what needed to be fixed until it was too late to get sufficient coverage and avoid them purchasing insurance for us. It was not until XX/XX/XXXX that I was informed by phone that I needed at least {$170000.00} of coverage, but only had {$160000.00}. In fact, I received a letter from them dated XX/XX/XXXX, that stated they had canceled the lender-provided insurance. 

XXXX ) The insurance they did provide is predatory. They not only insured for the total cost of the Unit ( {$400000.00} ), which is more than is required by Massachusetts law but also at inflated rates. Additionally, the condo for this time was insured by XXXX parties ( XXXX XXXXo Insurance, XXXX XXXX XXXX insurance for $ XXXX, and their XXXX insurance for $ XXXX )
Consumer complaint received 2023-06-21
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. (TX)

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.

The letters are stated with items and issues.

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 seven 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 2022-09-20
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a complaint to all three consumer reporting agencies asking them to validate an account I was not familiar with on my consumer report, XXXX XXXX XXXX XXXX XXXX and XXXX removed this account from my consumer report, Equifax still verifies the account as accurate. I did not ask Equifax to verify this account, I ask them to validate this account. Equifax has not validated this account, and Equifax can't validate this account because this account is a result of fraud. I have submitted a complaint to the identitytheft.gov and I have submitted proper identification to all three consumer reporting agencies. I have attached a copy of this identity theft affidavit to this complaint. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. Also 5 U.S. Code 1681s2 ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Consumer complaint received 2022-09-22
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-18
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. (AZ)

I am writing to formally address an urgent matter regarding several unauthorized hard inquiries appearing on my credit report. I have reviewed my credit report and noticed inquiries from the following creditors, to whom I have never granted permission to access my credit file :
Consumer complaint received 2022-09-20
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. (NV)

In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank XXXX # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX
Consumer complaint received 2022-07-29
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. (TX)

Experian is violating my consumer rights and I am preparing to sue. 

Account : XXXXXXXX XXXXl XXXX I spoke with a representative from XXXX and they had agreed this account is to be removed from my report. Experian says this is resolved, it IS NOT and that is a Direct Violation against my rights and I can and will sue. 

Last Verified Date -- Does NOT match XXXX or XXXX Date of Last Activity -- Does NOT match XXXX or XXXX! 
Date Reported -- Does NOT match XXXX or XXXX! 
Closed Date -- Does NOT match XXXX or XXXX! 
Account Rating -- Does NOT match XXXX or XXXX! 
Last payment Date -- Does NOT match XXXX or XXXX! 
Payment Frequency -- Does Not match XXXX XXXX XXXX! 
Late Payment Dates -- Does NOT match XXXX or XXXX! 

Each violation can carry a {$1000.00} fine against Experian, not including court costs, lawyers fees and my costs of research and time of disputes. Total costs could exceed {$20000.00} in fines against Experian for this account alone.