davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on XXXX, 3 inquiries on XXXX  and 4 on Transunion. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from XXXX  on XXXX with my full XXXX  report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form XXXX  and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from TransUnion. 

On XXXX I checked my credit report and saw XXXX removed 16 of the 19 fraudulent accounts, XXXX  removed 12 of the 25 fraudulent accounts, and TransUnion only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my TransUnion and XXXX. XXXX  removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) Experian and XXXX  are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

In XXXX I shared my concerns to CFPB about Synchrony Bank representing XXXX XXXX XXXX, having had substantially lowered my credit limit from {$700.00} to {$200.00}. Conclusion was to block my credit bureau records so that no tampering or unauthorized use would occur. However on XX/XX/XXXX, I received yet another notice from Synchrony Bank lowering my credit line to {$160.00}. While I recently filed a complaint to the corporate office of XXXX about another card and dissatisfaction of customer service handling, Synchrony Bank should have not lowered -- again -- my credit line. I have tried getting resolution favorable but to no avail ; and retaliation is my reward.
Consumer complaint received 2020-05-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with XXXX/XXXX/Experian. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

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

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

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

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

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

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

COLLECTION AGENCY : XXXX XXXX  XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with XXXX/Transunion/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Consumer complaint received 2020-07-24
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00}
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WY)

Name XXXX XXXX XXXX XXXX XX/XX/year> ss # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX wy XXXX I have sent 7 dispute letters to XXXX XXXX and equifax Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX and equifax are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) XXXX XXXX account # XXXX balance {$26000.00} ( XXXX. ) XXXX account # XXXX balance {$170.00} ( XXXXXXXX XXXX XXXX acount # XXXX balance {$1400.00} ( XXXX. XXXX XXXX account # XXXX ( XXXX. XXXX XXXX XXXX iXXXX  account XXXX XXXX balance {$6500.00} ( XXXX. ) XXXX pm acount # XXXX balance {$15000.00} please delete these accounts within XXXX days of receiving this complaint.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. ()

I have sent AUD  {$12000.00} XXXX using World-remit XXXX XXXX XXXX No. XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since money was not deposited on receiver 's end until XX/XX/XXXX i asked them to cancel the transaction. Worldremit advertised in their website as a same day service but its been 3 weeks since my money has been debited neither it has been deposited on the receiver 's end nor i have been able to get refund. I have called them almost everyday but they have same answer '' we have not heard anything back from our local partner in XXXX, once we get reply we will inform you ''. 
Is this the right thing to do with customer? I have sent that money to pay the debt in XXXX and interest is incurring everyday and also currency exchange rate is changing day by day. 

Regards XXXX XXXX
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: N26 Inc. (NY)

To whom this may concern : My name is XXXX XXXX Please help me, I've been a victim of misscommunication or fraud and inconvenienced from my on line financially institute named N26 A on line banking system where my clintes money goes into for my local XXXX XXXX  services. I was recently given a grant for {$5000.00} from the government and have records and screen shot and emails of proof. N26 flagged it and froze all of my funds. I have over {$8000.00} or about {$9000.00} in this account and exactly {$5000.00} in savings. I get NY state unemployment deposited into this accouht every Tuesday. N26 institute refuses to release the hold and I'm literally at a stand still and have no other banks or savings. This could take over a month or who knows how long. Today is Friday and all institutions are closed for the weekend. I have my birth day coming up this Monday and I have XXXX young children to feed and take care of. I made reservations at a log cabin upstate NY to take my family camping next week this Sunday for my birthday week. I also have my bills to pay and my car payment is due and other bills I had saved for like my modified loan payments for my mortgage to refinance my home soon. Thie is my livelihood and all my savings. I made a complaint also to the FDIC and I dont know when or how soon anyone will get back to me. From what I read on XXXX this could take days weeks or even in some cases month 's and now we are approaching the weekend. The XXXX of the US government who gave me this XXXX XXXX  grant had even said to me on the phone last night that, N26 or any bank has no right freezing all of my funds that are not tied to their suspicions or red flags on my account or suspecting the grant or my unemployment as fraudulent especially in this time of the pandemic due to the fact it clearly states my funds recently are mostly deposits from NY state and the government. I've been receiving my unemployment for about 2 tp 3 months now and the grant was deposited on XX/XX/XXXX. So as of yesterday afternoon I have been at a standstill with no access to any of my funds or savings and now the weekend dawns upon us. Please help me resolve this as I have bills due and my unemployment being deposited into this N26 account who has totaly inconvenienced me and has no answers for me till further notice. They won't even speak to me, they only e mail me and I waste my breath and energy and time with call center representatives who have no answers for me. Please Call me at XXXX XXXX XXXX my email address is XXXX Thank you
Consumer complaint received 2020-07-24
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: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AR)

XXXX XXXX FKA XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Fraudulent charges were made to my credit card and the Capital One is holding me responsible for the fraudulent charges. 
The fraudulent charges were made in XX/XX/2020. I have notified Capital One in writing of my dispute but they are still saying the charges are mine. 
There are {$1600.00} in fraudulent charges. I've disputed the charges by phone in XX/XX/2020 and in writing on XX/XX/2020.
Consumer complaint received 2020-05-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.