davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
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. (MO)

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX   {$490.00} 4 ) XXXX XXXX {$370.00} 5 ) XXXX XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX XXXX XXXX XXXX {$220.00} 8 ) XXXX XXXX XXXX {$200.00} 9 ) 11 XXXX XXXX {$530.00} 10 ) XXXX XXXX XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX $ 201-505 12 ) XXXX XXXX {$200.00}, {$490.00} 13 XXXX XXXX XXXX XXXX {$2.00} 14 ) XXXX XXXX {$510.00} 15 ) XXXX {$0.00} 16 ) XXXX XXXX {$0.00} 17 ) XXXX XXXX   {$0.00}
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). 

Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/black of business with payment request. the last one on XXXX was requesting {$1100.00}. XXXX of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. 

I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and there proof is not acceptable. 

They have still not pursed this in court continues to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX XXXX.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank (MN)

Several fraudulent charges were made on my account. I contacted the company on or about XX/XX/XXXX and tried to resolve the fraud charges. I was told that I need to contact the venders to resolve these charges. I don't know where or how to contact venders about charges that were made on my account. I requested that the account be closed and they continue to charge me monthly fees, etc. and my account is still open and they refuse to remove the fraudulent charges that were made on the account. Every time I call to try to resolve this I am placed on hold for well over an hour. I have no other way of contacting someone and have repeatedly asked that my account be closed. It does not appear that this has been done and more charges are being incurred.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas state law.
Consumer complaint received 2023-02-08
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. (CA)

On or about XX/XX/XXXX I submitted a dispute with Experian regarding two unauthorized inquiries on my credit report. As a recent victim of identity theft, multiple data breaches including hackers from the XXXX Government ( because I worked many years for a XXXX XXXX XXXX ), a former XXXX XXXX employee of XXXX years ( mostly XXXX ) and victim of XXXX XXXX by an XXXX XXXX XXXX making XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am understandably concerned when my information is accessed inappropriately. 
Experian dispute # XXXX. On XX/XX/XXXX Experian sent multiple emails indicating the dispute was completed, and to log in for results. Upon logging into the Experian website I was advised the results were NOT available online with no further explanation. On XX/XX/XXXX I contacted Experian by phone, the rep refused to provide his employee number or name and repeatedly said the disputed info had been removed. False. As of XX/XX/XXXX it still has not been removed. The Experian rep refused to provide additional information I had requested ( IP address of the requesting party, credentials/user ID and so forth ) which would help me determine/identify if my XXXX XXXX or other parties were responsible. 
At issue are the following inquiries : XX/XX/XXXX by XXXX XXXX XXXX, XXXX, California. Several phone calls with XXXX XXXX and they ALL denied having run my credit, meaning either an employee with nefarious intent did so XXXX XXXX 's network had been hacked. On XX/XX/XXXX XXXX finally sent a letter acknowledging they HAD run my credit for a pre-screen. I had not applied for credit, a loan nor had I attempted to open an account with XXXX. They had no right to run my credit, no right to access what should have been private info. 
The other inquiry is XX/XX/XXXX by XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX by Certified Mail which they received on XX/XX/XXXX but they have not yet responded. I had not applied for credit, a loan nor had I attempted to open any sort of account with XXXX XXXX XXXX. They had no right to run my credit, no right to access what should have been private info.
Consumer complaint received 2023-02-07
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: WELLS FARGO & COMPANY (TN)

I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by WF CRD SVC on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AZ)

Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$2500.00}. All three credit bureaus have been provided inaccurate information, and are inconsistent. One of the main credit bureaus has " closed '' the account. I have sent Jefferson Capital Systems LLC a debt validation letter and they never got back to me. Jefferson Capital Systems LLC has continued to inaccurately report to the credit bureaus, without validating ownership.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I open an Checking account with fifth third bank by calling their XXXX XXXX number. It was fifth third banks bonus offer of {$200.00} on new checking account which got me in. 
According to the bonus offer on must apply for 16 digit offer code and present it while opening the account. I applied for an offer code using my email Id and without fail gave it the representative who was helping me open account, while before hanging the phone I dually make sure with her that my coupon is applied, she affirmed. 
The offer needed me to do a deposit of {$500.00} or more and keep it into account for atleast 60 days which I did. I deposited a check of about {$750.00} on XX/XX/XXXX and kept it in my account well beyond 60 days. 
Fifth third bank in their bonus offer had promised to deposit the bonus into account within 10 days of meeting the eligibility. 

I saw nothing was deposited even after a month of being eligible of bonus. So finally on XX/XX/XXXX called fifth third banks telephone helpline the representative their told me offer was never been applied and there is nothing that she could do about it. On being confronted with the fact that I have given offer code and dually made sure with your representative on the day of account opening, she just say I understand and keep repeating herself. 
I have been cheated and made fool by fifth third bank, I want responsible government agencies to take notice of fraudulent and unethical business practice employed by fifth third bank.
Consumer complaint received 2023-02-08
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)

XXXX XXXX XXXX XXXX has repeatedly reported inaccurate data to all 3 major credit bureaus as it pertains to my credit report. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX under creditor XXXX  ( XXXX XXXX XXXX XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-08
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. (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. 

XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX bank XXXX # : XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2019-02-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ceannate (OH)

InXX/XX/XXXX, I entered into a payment agreement with FMS to get my defaulted school loans in good standing so that I could return to school. After I made 6 payments, I was offered a financial aid package from XXXX XXXX University, and started at the end of XX/XX/XXXX. 

Mysteriously, the payments that I set up with FMS stopped, at which point I was told my account was being sent back to the Department of Education. After I started classes, by XX/XX/XXXX I received an email from the schools financial aid office that they had received notification that I was in default, so I needed to fill out an in-school deferment form, which I did and sent in to the department of education. I heard nothing after that, but applied for financial aid for the school year XX/XX/XXXX. I was notified by email from the school that I was in default, and therefore not eligible for financial aid. 

Furthermore, they have notified me that they have not received the money from the DOE because I am in default. This means that i have been attending school without any secured funding. 

Additionally, I finally made contact with someone from the Department of Education at the end of XXXX, and she said I was eligible for a loan rehabilitation, but I needed to fill out an Income and Expense worksheet, so I did and sent in. I have made the small payment required since then, but have heard nothing, and we are at the end of XXXX. 

So, I need to know : Why am I still in default, if FMS was accepting my payments for 6 months? 
Why was I offered a financial aid package from XXXX XXXX in the fall of XXXX? 
Why have I not heard anything about my loan being rehabilitated since submitting the required paperwork?
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023 I sent a letter requesting to have all of my personal information updated on my consumer report. Today is XX/XX/XXXX, and only one thing in the request was complete, still leaving inaccurate information on my report.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I sent a letter requesting to have all of my personal information updated on my consumer report. Today is XX/XX/XXXX, and only one thing in the request was complete, still leaving inaccurate information on my report.
Consumer complaint received 2023-02-07
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. (MS)

I disputed an invalid collections placed on my credit report with Equifax, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took Equifax approximately 30 days to return a decision that the collections account was verified to be mine. 

I reached out to the collections agency through the phone number listed on my Equifax account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. 

I created a new dispute with Equifax for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX of XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX  ) and told him the same story as before. He too refused to help me so I asked for his XXXX. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a XXXX. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The Equifax operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.
Consumer complaint received 2023-02-07
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-17
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. (MA)

First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXXExecutive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Experian credit file. This credit file still shows 4 fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX / # 2- XXXX XXXX XXXX XXXX XXXX ND XXXX / # 3- XXXX XXXX XXXX XXXX XXXX MA XXXX / # 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 2 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX AND # 2 XXXX ) and 2 fraudulent contact/phone number ( XXXX + XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Experian is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a report # XXXX from Experian stating : " In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below ''. The letter I sent to XXXX XXXX / Executive Office clearly states that I have attached a copy of a utility bill. Also, I attached a copy of my license, a police report, a notarized personal statement and 2 FTC identity theft reports on XXXX. 

Third, the resolution I am seeking is for the remaining fraudulent addresses, phone/contact numbers and accounts listed in the first paragraph above be immediately blocked. As well as the extended fraud alert be immediately removed. 

I have attached supporting documentation to this email which I will gladly use to file a case in XXXX Municipal Court and contact all local news channels should Experian refuse to block the fraudulent information above.