davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

I have paid the original creditor ( XXXX XXXX apartments, this collection agency continues to report this to the credit bureaus and this is placing false information on my report. I have emailed XXXX copies of the email from XXXXXXXX XXXX XXXX showing that I paid the original creditor. I have never done business with XXXX XXXX nor signed any contract with them.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-11-27
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: CITIBANK, N.A. (MD)

On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX  does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX  refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint personally regarding late payments on my credit report. Upon examination of my records, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NJ)

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Paid for Goods/Services By Other Means Date Error Reported : XXXX Claim Amount : {$420.00} XXXX Chime grossly denied my dispute, after I provided them with very clear documentation that the merchant charged my other card for the same amount on the same day. The information they provided me with that the merchant provided them with, in response to my dispute simply shows that they charged this card. This does not mean they did not charge another. But they did, and I had showed Chime proof of my claim. How can they look at the statement I provided to them from the other bank and tell me that " no billing error occurred ''??? Ridiculous!! It is literally the very same merchant, on the very same day, for the very same amount. The way these people handled my claim is disgusting
Consumer complaint received 2024-08-20
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. (TX)

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 2023-08-01
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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. (FL)

XXXX has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$55.00} ( This has been paid in full ). 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00}.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (MI)

Received a letter from Online Informations services debt collector Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive called Online services they gave me 2 options. At the moment your the 1st option to let you know that this is fraudulent Identity theft Ive never lived in Texas were this account is/was being used. 

Please let me know what the next steps are to clear my name and my credit from this company and from my credit as this is an identity theft situation Thanks
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (FL)

I was approved for a Destinay credit card around XX/XX/XXXX, to date I have yet to receive the credit card. I called XXXX XXXX XXXX XXXX spoke with numerous representatives who informed me the credit card was delayed but could not tell me why. I checked my credit report and Destiny had already reported a balance of XXXX due. I also received the 1st billing statment showing an annual fee due of {$75.00} by XX/XX/2023. I asked the customer service representative to waive the {$75.00} fee because I do not have the credit card. She agreed to pnly waive {$10.00}. This is an embarrassment, why report a new trade line to a consumers credit report before they are in receipt or have activated the credit card. I have called and called and called just to be given the run around. This company needs to be investigated. I have seen numerous complaints abouth Destiny approving consumers for credit cards and failing to ship them out in a timely manner. WHAT A SHAME as I am a new customer with Destiny.
Consumer complaint received 2023-07-31
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. (TX)

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

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-02
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. (TX)

I have recently discovered that TransUnion is reporting an account that has already been deleted by other credit bureaus. As we all know, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting must be 100 % accurate. Hence, it is crucial that TransUnion takes immediate action to correct this error by removing the mentioned account from my credit report as soon as possible. Inaccurate or misleading information can significantly impact my creditworthiness, leading to severe long-term consequences. I urgently request the removal of this account at the earliest : XXXX XXXX Balance : {$0.00}. This account I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the fraud.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen XXXX,, and since then I've been noticing and seeing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (LA)

I received a bill from a debt collector in regards to {$150.00} owed to XXXX XXXX. 
This is not my debt. I disputed the debt with the debt collector directly on XX/XX/XXXX and opened a dispute with XXXX on XX/XX/XXXX. 

I have not heard back from the debt collector but I spoke with an XXXX representative who told me that all they can do is verify information but if I believed the account was fraudulent to then file a fraud report here. 
I also contacted XXXX directly who has filed a fraud report. I am in touch with their Fraud Prevention Team as well now. 

I have never been an account holder with XXXX and have never received a bill from them directly. XXXX is my current wireless provider and the account I am under currently I have been with since XXXX. That account has no outstanding balance and the latest bill has been paid in full. Again I am not the account holder anyway and have never been. So I believe my information was used to open the account listed on the bill sent to me by the debt collector and is fraudulent.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Some one has been using my identity without consent the following was opened account XXXX XXXX account, XXXX XXXX XXXX year XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX auto loan, XXXX XXXX auto loan , XXXX XXXX auto loan XXXX XXXX XXXX auto loan XXXX XXXX XXXX student loan
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (AR)

I've asked First Collection Services XXXX XXXX to remove this account. I have paid the amount directly to the original creditor. I have received the run around. This is pulling down my XXXX XXXX. I've attached the paid documents.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (UT)

This debt from XXXX XXXX XXXX is 5 years old and this is the first I'm hearing about it. I paid rent every month on time and had receipts to confirm. Until just recently because XXXX only keeps mail for 3 years. Not only that but XXXX XXXX XXXX has deleted my account so that THEY can try to SCAM me out of more money. I will not be paying this " DEBT '' as I already paid it 5 YEARS AGO.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

Per previous complaint XXXX, Wells Fargo stated that I had online banking enrollment from XX/XX/2012. 
I only had a mortgage and want full information as to when, by what method, and to what I supposedly gave consent. 

I am concerned as to what and how this is related to mortgage servicing and am afraid they may have opened additional banking services in my name without my permission
Consumer complaint received 2023-08-01
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: TD BANK US HOLDING COMPANY (AK)

In accordance with the Fair Credit Reporting act NORDSTROMTDBANKUSA  # 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 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 I received a promotional email message saying I am eligible for a credit line increase to my Best Buy store credit card provided by Citibank NA. I was approved for an increase of {$1500.00} after filling out the information I was told to provide on the online form. Nowhere in the process I was told there would be a hard inquiry to my credit report. 

I have credit cards with other creditors and a hard inquiry has never been done on a line increase. Considering the increase was promoted to me I assumed there was due process on their end to provide me with the proper details of the increase. I would not have requested an increase if I was told there would be a hard inquiry. This is the 2nd hard inquiry from City Bank within 6 months, I opened my account on XX/XX/2018. 

After checking my credit report in XX/XX/2018 I found out that Citibank NA issued a hard inquiry. On XX/XX/2018, I called Citibank NA retail card department at XXXX to attempt to resolve the issue. I was connected with XXXX in the retail account verification department. After explaining my situation to her she connected me with XXXX of the Management department for Best Buy Credit. She understood my frustration with the process and told me there is nothing she can do but explained to me that if I called and spoke with an agent rather than doing it online I would have been able to avoid the hard inquiry. This was not promoted to me as an option. The only option I was aware of was the online process. I never signed off on a hard inquiry. I was never asked nor did I give permission to have a hard inquiry done on my credit report. I believe I was not provided with all the options. 

I have attached a screenshot of the credit line increase screen. I does not explicitly say there will be a hard inquiry in the process.
Consumer complaint received 2023-08-01
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. (FL)

All XXXX major XXXX XXXX Are in violation. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My account was furnished which is against the law. No one had my written consent. 

This company listed below is reporting inaccurate on all XXXX XXXX and Experian for example the late payments are reporting inaccurate. I have challenged this issue once before and it came back verified. Please reinvestigate this issue or I will press charges. 

This has damaged my reputation and my civil liability. 

Understand that it is {$1000.00} for every violation. 


XXXX XXXX XXXX Credit card Individual XX/XX/XXXX Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX BANK XXXX Credit card Individual XX/XX/XXXX Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Also 15 U.S. Code 1666b - Timing of payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

All three bureaus should be reporting the same accurate information, which in this case are not. Please delete these accounts.
Consumer complaint received 2023-08-02
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)

How many times have I told you that these Items are in litigation? Please delete these Items XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX as they are Fraudulent.
Consumer complaint received 2023-08-01
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. (DE)

My name is not XXXX they keep using this name as my name is just XXXX I am very unpleased with this Ian very up set its plain I gave my state Id so it could be updated dated and they send a letter with the same name