davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

A credit card was opened in my name by unknown identity. I recieved a call from XXXX XXXX or capital one about a bill that wasn't paid. I told them i haven't opened any creditcard accounts. I dont own a credit card and any card open would have been by fraud. The asked me to send a statement stating such. I did. Here it is over two years that this was supposedly fixed. I even told them i am even willing to go to court to fix this and show it was identity theft. I had two phones that came in prior which i think was part of the credit theft. I called the company that sent them out and stated i didn't order any phones. I was told an address in texas to send them back to. I have no documentation of anything because i never recieved a bill or anything else to notify me. It was ordered from online and no records to prove either way other. I then notifying that my identity was stolen must have been stolen. Same with the credit card company. I do not have nor should i have any credit cards opened anywhere to my knowledge. This includes the credit cards i paid off in 2008 and never opened another. I found out my credit was never restored or fix just this week. I was going to open an account at XXXX XXXX to purchase a lawn more. This is when i found out my credit went from above 720 to the low XXXX mark. The last and only think i had credit was with XXXX and the XXXX XXXX XXXX. I have no other accounts in my name. I don't know who all has placed information on my credit since i first thought the problem was fixed. I am so upset about how things are reported without any notification or any other bill to know if anything was opened in my name. I pay my bills on time each month. I have never ever been delinquent on any account i have opened in my life time. I need help and a full investigation on any negative remarks on my credit report. These company 's are at fault for authorizing any account 's that are opened. These are the only people i have dealings with. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX loan was paid off for years now. Anything else opened any where using this current address would be from identity theft that started when i first reported it to the two mentioned earlier. I have even had a call from who ever they have turned over the delinquency to a collection agency. I gave them the same information. I also asked them to take it to court so we can get this settled once and for all. They said they would fix it which they didn't evedently. They just never called again.
Consumer complaint received 2022-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2022 This letter is a initial complaint that you are reporting inaccurate and incomplete credit information to my credit file. XXXX suffered a security breach that leaked my personal information ( my name, social, date of birth, drivers ' licenses number and other personal information ) as a result I became a victim of Identity theft. I have contacted my lawyer who will be working with me to bring this information to a judge in my area. Your company has failed to provide proof of legal debt validation, and at this point I have requested it twice. I am certain that you know that the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Anyone paying for your reporting services could fax, mail, or email in a fraudulent account. There is more than one account that you have listed on my credit files, are results of identity theft because I have no knowledge of them and should be removed from my credit file immediately. Continuing to report this inaccurate information please understand you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. 

I do not owe your company any money, I have never done business with your company this is the last time I am asking that you remove this account from my credit report and as soon as possible, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed correct information. Attached to this document I have also provided you with my police report. I am also requesting that you provide me with full debt validation of this alleged debt. Please send me proof that this account has been removed from my credit file, I have also filed a FTC report against your company as well. 



I look forward to the correction of this matter XXXX XXXX XX/XX/2022
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of York, Inc. (MD)

I have been the victim of identity theft, I tried to dispute with the XXXX credit bureau several times but the refused to remove it from my credit report. I even filled up the FTC report and send it to them but the results came verified. I don't recognize that debt, it's the only debt I have in my credit history with one credit bureau which is XXXX. I don't recognize that debt at all, it's also stopping me from getting an apartment for me and my daughter. Please I really need this to be able address it.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2021-12-18
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. (MI)

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in it.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on the street due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (GA)

In response to CFPB complaints # XXXX. My name is XXXX XXXX a federally processed consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, XXXX XXXX which is a copy of the account reporting on my XXXX consumer report, XXXX XXXX which is a copy of their response to CFPB complaint # XXXX, and a pdf of an FTC report that will be labeled as XXXX XXXX when filing litigation in Federal Court to this complaint. CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period, I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. CREDITORS BUREAU ASSOCIATES " stated as a courtesy, attached are the itemized invoices from the original creditors. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Credit Bureau Associates also stated " The balances have been verified with the original creditors as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX, social security number XXXX. 

I have 3 accounts that I have been disputing for month about some charges off, they said if verified but they do not send me he information I am asking for to Verify those, there are lots of inaccuracies that have not been removed and at this point I need to get to you to please help me out to solve this issue and hace those accounts remove form my report. 

dates, amounts, lots of things are inaccurate and they just do not fix it and keep sending that it has been updated and whatever they have updated is has been updated wrong again. so I do not know what to do next. 

I am attaching one of the last disputes i mailed and also the last updated report they mailed to me with with no changes at all in any of the 3 credit bureaus. thanks
Consumer complaint received 2022-05-04
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 Good day- I would like to inquire on how/why there is a balance with XXXX XXXX. I sent in several letters that indicate that this was fraud. 
You removed it off my credit file. 3 years later you tell me its had been validated and its not fraud. No one can tell me why its not fraud, can not send me anything with my original signature, on even a charge but its still on my report with an open balance. 
Can you explain how can something be charged off and have a balance? If its charged off then it was then written off as bad debt by the company and in this case it would be XXXX  XXXX. SO if its written off by XXXX XXXX, why am I showing a balance on something that was already written off the companys profit and loss statements? Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX. 
So Experian is not actually verifying the legitimacy of the reporting, they are basically relying on the furnisher to ensure that this is correct. THE FCRA compliance bulletin XXXX requires hat furnishers conduct a investigation of disputed information. How can this have been completed if it still is not Metro 2 compliant? Can someone please let me know.

That is not the law.

If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION> Again, you are reporting this and its inaccurate. MY children and I will be on XXXX XXXX due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report.. 
Thanks XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TN)

2 years ago I have advised this company XXXX XXXX I did not take out a credit card with them. since they they have attempt to call/ sends letters, as of today XX/XX/22 I got a letter in mail for civil judgement to appear in court. They also sent someone to my home to serve me a warrant. They have Midland credit management sending threating attempt to collect letter
Consumer complaint received 2022-04-24
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. (LA)

Im accordance with the fair credit reporting act. The list of accounts below violated federally protected consumer right to privacy and confidentiality under 15 USC 1681.

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 XXXX  XXXX XXXX XXXXXXXX auto sales XXXX  card services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-02
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)

I check my Credit profile I noticed two unauthorized inquiries date XX/XX/2022 XXXX XXXX XXXX  AND XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX