davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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)

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

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

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

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

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

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

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-06
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with Equifax, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Consumer complaint received 2022-11-23
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: Colony Brands, Inc. (WA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : XXXX  XXXX XXXX XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : XXXX XXXX XXXX {$4600.00} and {$3800.00} -Company 3 : Seventh Avenue- {$1000.00} -Company 4 : XXXX XXXX- {$1600.00} - Company 5 : XXXX XXXX XXXX {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-18
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. (OR)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

Around XXXX of 2015, Citi Bank advertised a signing bonus of XXXX Thank You points. To receive such signing bonus, according to the linking page which I took a photo, no spending is required. I applied during the promotional period using the application link provided by Citi website and was approved. However, despite repeated inquiries, Citi has yet to post the signing bonus to my account.
Consumer complaint received 2020-05-06
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I did not authorize anyone employed by CITIZENS BANK OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (TX)

I did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I, XXXX XXXX mailed a written debt validation letter to portfolio recovery associates due to the company reporting inaccurate and unverifiable information to the 3 credit bureaus ( XXXX, XXXX, XXXX  ). 
Portfolio Recovery Associates responded to my request for validation with a bill. They did not respond with verifiable documents which I requested including an original contract with a signature, etc. 
Im requesting that this unverifiable debt be removed from all 3 credit reports immediately. 
Attached are documents provided from Portfolio Recovery Associates upon my request for verifiable documents. 
This bill does not verify the debt.
Consumer complaint received 2020-05-05
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 reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX after multiple attempts to contact American Express Serve I was able to reach them. I notified them of Several fraudulent transactions on my account. I advised that I myself took out {$200.00} at an ATM on XX/XX/XXXX and that I hadn't realized my card was gone or used until XX/XX/XXXX. During that time may transactions took place and I didn't authorize nor make these transactions. The lady I spoke with said on the call " This definitely appears to be fraud on minute after your transaction was complete someone attempted a withdrawal at the same ATM and entered your pin incorrectly. '' Apparently they attempted it again and got the PIN correct. In the next 2 days they stole near {$3000.00} from my account. I filled out all the forms and sent them back in as requested. Only to be told that they are denying my claim. I went to the XXXX website to realize this is what they do with any suspected Fraud case they deny your claim then close your account on you. Even though they clearly advertise Zero Fraud Liability. I sent in and requested any and all documentation to prove it was me. If they can't provide a picture of the Suspect that stole my money how can they deny my claim. They are unable to provide any information that would warrant denying the claim. They also refused to even provide me the written documentation they claim they used to determine the fraud. With COVID-19 going on and the amount of money stolen I can't and won't just let this go!
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

On Friday, XX/XX/XXXX, I received a low-balance alert email from XXXX XXXX indicating that I had {$0.00} available. Knowing that I had at least {$450.00} in my account, I contacted the bank and was told that there was a hold placed on my account ( for which they charged me {$75.00} ). I asked if they could give me the information of the party that placed the hold on my account and they advised that it was a small claims court in NJ ( where I live ) and gave me court case number. They told me to contact the court at ( XXXX ). When I called, I was told that a credit card company by the name of Midland Credit initiated the action and that I should have received a summons notifying me that I was being sued for {$1900.00}. I told her that I have never received any summons by mail or any other method. She then read off my address and said that the summons should have been sent via Certified Mail. While my address was correct, I again repeated that I had not received any communications from anyone, particularly not from a court and that I had not heard from Midland Credit for easily two years. I shared that the debt seemed accurate ( although I would have to check my records ) but that I would need to confirm. I also stated that the action left me in dire straits as both my husband and I have significant health issues ( he is on XXXX  and is XXXX XXXX ) and this " hold '' resulted in us having no money to access for food or medications. She told me that there was no way that the hold could be released and that it could take several business days to be released. She also shared that it was currently a " one time  hold '' and that any expected deposits to that account would be free for my use. She gave me a phone number to contact ( XXXX ) and told me to contact Midland in an effort to resolve the issue. She also gave me what she thought would be the case number I should reference when I call. I wrote to Midland online but have not heard back yet.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

XX/XX/year> Text from Wells Fargo someone was trying to create {$8900.00} XXXX transaction call XXXX immediately. XXXX XXXX ( XXXX ) employee said to call XXXX regarding transaction. XXXX from XXXX XXXX claimed I was requesting XXXX for future investment of {$8900.00}. Called XXXX XXXX ( XXXX ) for next steps, was told in order to prevent transaction an {$8900.00} wire transfer was needed for Wells Fargo to flag as duplicate charge to reverse transaction attempt. XXXX XXXX ( XXXX ) helped me send wire transfer to XXXX XXXX XXXX, NV on XX/XX/year> to beneficiary bank XXXX ( XXXX XXXX XXXX ) XXXX, MA. Received wire confirmation from Wells Fargo, however, transaction was not questioned, flagged for confirmation or blocked by Wells Fargo. XXXX XXXX XXXX XXXX XXXX said he would keep me advised regarding refund of {$8900.00} to my account, wire amount {$8900.00} {$25.00} transfer fee charge. Fought with XXXX XXXX ( XXXX ) until XX/XX/year> when he stopped answering text messages and phone calls. XXXX XXXX XXXX said he could not refund my money unless I returned XXXX he sent to a XXXX email address. Did not hear from him again after XX/XX/year> Both XXXX XXXX and XXXX scammed me.
Consumer complaint received 2020-05-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2020-05-05
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. (NY)

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the XXXX amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Consumer complaint received 2020-05-05
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. (SC)

XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.
Consumer complaint received 2020-05-05
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}