davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: Experian Information Solutions 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/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

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 100 % accuracy that each account is 100 % 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 2022-08-04
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. (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/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

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 100 % accuracy that each account is 100 % 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

I held an account in XXXX through XXXX in XXXX XXXX, Colorado. I was hit with several overdraft fees that I felt to be unfair. I even called the customer service line and got no help for this. The overdraft fees and bank fees alone made it impossible to raise XXXX children while trying to get ahead with my credit. I eventually was forced to close my account because I couldn't take it anymore. My credit plummeted, and I ended up losing my home.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (GA)

I reached out to Equifax Dispute team about XXXX weeks ago, concerning a misinformation on my credit report, which is fraudulent. I requested, it to be removed. However, they ignored my request. The alleged account ( XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX ) that is claimed to be owed was paid in full, after XXXX years. Per banking LAW states, All wagering monetary contracts are paid in full, after the third year of the initial signature ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX. ), anything after those XXXX years is purely fraud. This con-tract was paid in full by the interest XXXX XXXX wrote against my assets account. On top of a secret lien they placed on my personal private property, which still in affect, illegally and unlawful. The Comptroller General of the United States Government settled both accounts, issuing a Certificate of Settlement to the officials at those two corporations. These alleged debts were obligations of the United States Government, XXXX XXXX. 
15 U.S. Code 1691a ( 6 ) states, 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is against the LAW & it's forbidden to collect on an alleged debt for someone else other than that original, who is collecting his own debt, under the same name of his own. This indicates that a third party ( stranger ) is attempting to collect on an alleged debt that's does not belongs to them. This is a great violation. Equifax in the background allegedly conspiring to defraud XXXX XXXX as well as the United States of America for attempting to collect on a debt ( XXXX ) that was already paid in full. Now, XXXX and XXXX have updated their system after I informed them both, even Equifax but they refused. I refused to be used as collateral for any corporations bonded instruments. I refused to used what society called " Money '' the Federal Reserve Notes, which is a debt instrument, because I refused to be indebtedness to any foreign fiction entities, knowingly, there is no money in this country, only " CREDIT ''. I refused all underwritings, I refused to be an undersiger as well for these corrupted organizations CON - TRACTs out here.
Consumer complaint received 2022-08-04
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Upon checking my credit report in XX/XX/XXXX, I found a XXXX  XXXX XXXX " partial '' credit card account that did not belong to me ; it was apparently opened in XXXX of XXXX and closed in XXXX of XXXX as a result of missed payments. I disputed this with Experian and verified the error with the Bank on XX/XX/XXXX. On XX/XX/XXXX, Experian informed me they completed their dispute review, keeping the erroneous account in place.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-07
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. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-08-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00}. 

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 2022-08-04
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX  XXXX Balance : {$2600.00}
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (IL)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-04
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. (IL)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/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 

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 2022-08-04
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: U.S. BANCORP (CA)

By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account US BANK XXXXXXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically XXXX, XXXX.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (HI)

Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from Equifax and XXXX. I have not received a response from XXXX. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-04
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. (TX)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Durring the week of XX/XX/XXXX my girlfriend, and roomate, was being scammed and money was being sent out of her account to me and a freind of her via XXXX. The scammer acted as a XXXX employee, send the fraud text with a link for her to contact ( she had 2 texts, one was real fraud text, the other was from the scammer, she had a 50/50 shot of choosing the correct link ). So over the next 3 days she believed she was in contact with whom we though was a XXXX fraud represetative. After 3 days, and about XXXX was stolen we realized he was not. He was scheduling XXXX payments to me and another and would call her saying that he had '' unlocked the account and to have your friends send you the money back '' so I obliged. Going through the XXXX process of inputting her number as I always do, her name appearing before confirming and sending. Well once the transaction was made it was to the scammer XXXX XXXX, who we do not know or have this persons number. As she gave him all her info he was able to update the routing number to deposit XXXX into his bank. 

Through my account about {$7500.00} was transfered in and out of it. I lost nor gained money from these transactions as I was sending them right back. My account was locked and I contacted Captial One on XX/XX/XXXX to open a fraud case with them ( ticket number XXXX ) and my girlfriend had a claim with XXXX ( ticket number XXXX ) and all was well. My account was unlocked and I had no issues, or odd activity on my accountsss. Well on XX/XX/XXXX I had a note in my Capital One App to contact them so I did. In this time they continued to question me and the charges even though a case was opened up with multiple banks regarding the events of XX/XX/XXXX. After a brief hold I was told I was under investigation, my accounts were frozed until further notice, and that I would never be able to bank with them again. They have offered 0 communication and screen my calls sending me to leave a voicemail keeping me completly in the dark. My accounts had a total of {$32000.00} before interest payments and I expect every cent of that back as I am not the scammer, nor was I involved with the scam as I did not have any additional funds in my account post scam, or do I have any other bank accounts with the amount.