davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-09-12
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. (NH)

XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Consumer complaint received 2020-09-12
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: 4M Collections, LLC (CA)

ON XX/XX/2020 I CONTACTED XXXX  REGARDING SEVERAL ACCOUNTS THAT WERE THE RESULTS OF IDENTITY THEFT. I SUBMITTED MORE THEN ENOUGH SUPPORTING DOCUMENTS TO HAVE THIS ACCOUNT NAMED. DISCOVERY FINANCIAL SERVICES ACCOUNT NUMBER XXXX I HAVE NEVER BEEN ASSOCIATED WITH THIS ACCOUNT AND DOES NOT PERTAIN TO ME.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I filed an identity theft report with the FTC identifying XXXX  accounts ( XXXX and XXXX ). 

According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been blocked and removed from my consumer reports, but they remain listed. XXXX, XXXX only initiated their own identity theft investigation on XX/XX/XXXX, months after the FTC report and seemingly in response to a recent CFPB complaint. This delay highlights a failure in communication between consumer reporting agencies and furnishers and their lack of adherence to proper procedures. Despite this investigation, XXXX  has not validated the alleged debts or provided the required documentation requested in previous correspondence, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, none of the consumer reporting agencies ( XXXX, XXXX, and TRANSUNION ) have deleted this information. Moreover, despite XXXX 's claim that they would cease all communications as of XX/XX/XXXX, XXXX continues to send unauthorized communications to consumer reporting agencies and has not removed the disputed tradeline entries from my reports. 

The consumer reporting agencies have demonstrated a severe failure to follow proper procedures by neglecting to promptly delete the fraudulent entries associated with XXXX accounts from my credit reports. Despite my timely identity theft report filed with the FTC on XX/XX/XXXX, which required the immediate removal of these accounts, the agencies have failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their negligence in updating their records and removing the disputed entries not only contravenes federal regulations but also continues to cause significant harm to my profile. This oversight reflects a serious lapse in their responsibility to ensure the accuracy and integrity of consumer reports, exacerbating the damage to my financial standing and rights.
Consumer complaint received 2024-09-10
Product: Credit reporting 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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I get my credit report every year. I was reviewing my alleged collection accounts on my Experian credit report from XX/XX/XXXX with my credit report from XX/XX/XXXX. The creditor XXXX was reporting the account as date open XXXX, Date of last activity XX/XX/XXXX. My credit report dated XX/XX/XXXX now reports open date XXXX and date of last activity XX/XX/XXXX. Re-aging of a alleged debt is illegal. Experian Credit Reporting Agency or XXXX XXXX XXXX has committed a Violation of the FDCA and the FRCA.
Consumer complaint received 2020-09-12
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. (TX)

I previously disputed adverse information reporting in my credit file. I have not received a fair and legal investigation into my claim. I have attached a letter which is my Second attempt at getting the Credit Report Agencies to follow the law according to the FCRA.
Consumer complaint received 2020-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

Prior to XX/XX/2016 I applied for a credit card and was approved. After losing my job I was unable to pay for the credit card. Being XXXX, with no job and unaware of how credit worked, the credit card was put into collections for {$600.00} on the date stated above. After learning more about credit I am now in the process of fixing my credit score. 

The reason I am reaching out to CFPD is because I have attempted to reach out to Midland Credit Management multiple times to settle the debt but have not been successful due to what that are saying is migration issues on their end.
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

Equifax continues to report unverified information, and refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed I had two payments I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late for the accounts so I have included screenshots inside this complaint on the dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these late payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late Thanks! Please see the screenshot attached :
Consumer complaint received 2020-09-12
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. (FL)

Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.
Consumer complaint received 2020-09-12
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. (FL)

This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (IL)

On XXXX, XXXX I realized that I am a victim of Identity theft for over seven fraud accounts were opened under my name, this happened after I requested the three annual free credit reports on XX/XX/XXXX. Although, one of the fraud accounts was already charged off in XXXX " JPMCB- CHASE Credit Card '', however, I insisted and went ahead and reported this JPMCB Card with all the three credit bureaus more than once, I also contacted the fraud department and the recovery department of Chase Bank XXXX than once trying to remove this fraud account from my name. My last contact was around XX/XX/XXXX, eventually they asked me to fax or mail many documents as a proof of identity theft and proof of address of when the fraud was committed. Accordingly, on XX/XX/XXXX, I faxed all the required documents including ( Cover letter & personal statement, Police Report, FTC ID theft Report, 3 different proof of addresses documents ( Back dated to when the fraud was committed ), Proof of Identity ... etc. 
On XX/XX/XXXX, I received a letter from CHASE Bank stating that Chase has provided the three credit Bureaus with the correct information, however, after I called Chase on XX/XX/XXXX to know what does that mean, they stated that after their investigation, they found out that the account was valid and not fraud. I want to escalate this case please and remove it from my name, and willing to help the authorities in any investigations or information they seek.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (MN)

See complaint XXXX. As stated in the complaint, check was allegedly sent. But I've see this claim before and that's the reason for the multiple complaints. Don't understand why this would get closed with out verifiable information that the company has followed through. Is the cfpb paid off by these big financial institutions to not actually investigate these wrong doings? Why have the cfpb if they are going to do anything and hold these institutions accountable. 
Complaint is opened so we can confirm the business does what they say. They didn't before. Actions speak louder than claims.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My addresses are wrong on my XXXX XXXX Transunion accounts. Im not, nor have I ever been associated with the following addresses : 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. 

the only address 's I've been associated with should be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

please update and remove these addresses that has never been associated with me. 

My only telephone number is XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

I was told i was to pay a one time fee for {$1.00} to check my credit scores and now they have been trying to charge XXXX and change to my bank account and i never agreed to it. I was flagged by the bank about this being fraud and they are still trying to charge me. The pretenses where that I would get a loan if my score was good enough but I was only to be charged XXXX dollar not continuing charges and I tried deleting my account but theres nowhere to delete the account when I reached out to the company they said that the charges would be reversed, but they continue to try charging so clearly theres a scam going on here something illegal is happening and I am not reporting it to you.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I reported numerous charges/accounts and inquiries to the FTC. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries
Consumer complaint received 2018-06-02
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: Receivables Management Partners, LLC (MI)

Hello, I am reaching out today because XXXX XXXX recently bought a account from independent emergency physicia in a balance of {$310.00}. 
My complaint is I never gave permission for this company to buy my personal information. It is a violation of my hippa rights. 
This company holds information such as my name, address, medical services received and a list of other things that they illegally bought. 
With my Hippa rights being violated I am demanding that this company cease all credit reporting immediately to all 3 credit bureaus or I will seek damages.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

As of XX/XX/2020 I could not access my Chime Bank acct. I called their official customer service line. They stated there was a problem with my acct and the ONLY way to fix this was by remote access. I only trusted this because they are bank employees. I was uncomfortable with this whole process but needed access to my acct to pay living expenses. They said XXXX XXXX is part of Chime bank that they would transfer some of the BANK 'S MONEY to cash app and see if my acct would accept transfers and withdrawals. To my horror I watched as they took everything I had {$1200.00} by the time I realized it was MY MONEY they had used it was too late. Have been fighting with both institutions for 4 days to return my money. The last call I got, they said my money would be returned to my acct in 24-48 hrs still no results. The largest amount taken at one time was {$790.00} it was sent from XXXX XXXX to XXXX. That transaction now neither shows on Chime bank records or XXXX XXXX records. I need my money back ASAP it was all I had. I'm a XXXX XXXX who is XXXX yrs old and I work part time to make ends meet. For me this is a financial disaster.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (AR)

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
Consumer complaint received 2020-09-12
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. (MA)

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX I entered fifth third bank trying to close my account and I was told I couldnt close my account because I had a small business loan for {$12000.00} in my personal account instead of a business account so I told them I didnt want a relationship with them anymore and they could send the loan back so I was told by a financial rep. That I couldnt close my account.