davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting 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. (AL)

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized. 
Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : 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 XXXX XXXX These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness. 
In addition to removing these unauthorized inquiries, I am requesting {$XXXX} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.
Consumer complaint received 2022-03-14
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-12
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: SYNCHRONY FINANCIAL (NM)

My spouse received a phone call on XX/XX/2021, from XXXX XXXX XXXX  regarding an application that was submitted under my personal information that they had suspected was fraud due to my spouse and I already have an existing account with them. 
I did verify it was from identity theft. 
I then checked my XXXX XXXX app to check my inquiries to find I had roughly 5 inquiries showing on my report within a 2-week period. Along with letters received in the mail from 2 different banks not noted on my credit report. I have disputed all of the inquiries with each creditor. I have had some inquiries removed. 

XXXX XXXX ( travel & entertainment ) inquiry posted XX/XX/2021 on XXXX-I 've called them at least 2 times. First Representative I spoke to in end of XXXX or early XXXX stated fraud will be noted, and inquiry removed on XXXX. Second Representative stated that fraud was noted and was sent for review. I'm still waiting if they will remove inquiry. 

XXXX XXXX  ( card service ) inquiry posted XX/XX/2021 on XXXX I've spoken to a Representative to notify identity theft. Rep mentioned the account will be closed and the account would be investigated. They haven't removed inquiry from XXXX. 

XXXX XXXX XXXX  inquiry posted XX/XX/2021 on XXXX I've spoken to Representatives on several occasions. Most Reps stated they closed the account and noted it as fraud but couldn't help remove inquiry from my credit report. Stated that I must contact Credit Bureau to have inquiry removed. Whomever stole my identity reported employment with XXXX. I've never worked for such company.
Consumer complaint received 2022-03-14
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-12
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. (NV)

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (IL)

My name is XXXX XXXX. On XX/XX/2022 my federal tax return was deposited to my American Express Serve card. That day I used my card and withdrew {$700.00} and made approximately {$50.00} in other charges, gas, etc. I was unable to withdraw more than {$750.00}. However, the following day ( overnight while I was asleep ) someone I let stay with me stole my card and made over {$3200.00} in fraud charges before I woke up and realized and cancelled my card and requested a new Serve card. I started a dispute over these fraud charges in which I was declined a few days ago. This seems so unfair that they could fraudulently charge more than I myself was even allowed to make purchases on the previous day! Any help is greatly appreciated!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was never late on this account. Please show me documentation showing proof of such transactions. Showing that I was ever late to support your inaccurate reporting on my account. If you can not supple this please delete this alleged late payments from my credit report. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I disputed an a XXXX XXXX  account and the account was verified & accurate and some information was updated ; however, I am challenging this information because this is an identity theft account and there still several inaccuracies on this account still being reported because under FCRA all credit bureaus must report the same information in which each bureau is reporting different information for this account. It appears that no thorough investigation was done by Transunion and they have failed to provide me with proof of any documentation from the investigation. 

I am requesting proof of all documentation from the investigation that I applied for this account and the account belongs to me along with all documentation XXXX XXXX provided that was used to verify all the information being reported is accurate outlined in the FCRA or delete this inaccurate information from my credit report immediately.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CO)

On XX/XX/2022 the citi cc service said I can't use my new cc, they can't verify my info asking for others cc info. They won't Close my cc because they are mailing me something they are still charging me for information they can't verify.
Consumer complaint received 2022-03-13
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. (IL)

I've tried for close to a year now to validate the alleged debts Equifax continues to claim verified and falsely leave on my credit report. I have written request to validate letters to the address they have on my credit report and my mail comes back to me as undeliverable. I have tried to call the XXXX number listed for them as well and it is a complete spam number that leads to someone in XXXX. I have attached screenshots of my credit report with the information they have reporting as the contact information for the US DEPARTMENT OF EDUCATION. This has been an ongoing issue with Equifax to properly address my concerns and I have frankly been an emotional wreck. I can't sleep or function because my brand and character are being negatively impacted by this false debt being attached to my credit report. I am demanding once and for all as a federally protected consumer that Equifax REMOVE THIS false claim before civil litigation is pursued. Equifax states this information is accurate and true, updated every month but it isn't. As a credit reporting agency they are completely violating the Fair Credit Reporting Act and emotionally destroying a consumer.
Consumer complaint received 2022-03-14
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I requested via mail my Free Annual Credit Report. Instead, I get a post card notifying me that they are unable to provide me my credit report, but there is no identification information as too whom it is from. The other post card states practically the same thing but identifies itself as XXXX XXXX. This appears to be an attempt to deceive or at the very least mislead consumers as it violates the FCRA by delaying my credit report or simply in order to discourage me from obtaining the report, much less attempting to resolve errors contained in them. I've verified the address my creditors and it is the very same one I am requesting my Report be sent. Their attempt to extort information is simply data mining from consumers by holding hostage their credit report.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (TX)

I ask all three credit bureaus XXXXExperian to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 1. XXXX XXXX XXXX. XXXX XXXX. TXXXXt 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXXr 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the XXXX credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates filed a lawsuit against me. I hired an Attorney. Attorney requested information from them. They didn't respond. Day of court they did not show up for court. The case was dismissed. I have also requested validation of the allege debt. Since they did not want to produce any validating of the alleg debt, I don't know where they got it from. They did not respond. Pursuant to Federal Law it shall be deleted from my credit report. I have also, sent a letter stating that they shall Cease and Desist all collection efforts. 

I have just noticed that they have different names and addresses for this company. I send all certified mail to the address that is on my credit report. Also their name on the the court filings and CFPBs ' system are different than what is on my credit report. 

Is this another deceptive practice? Do they do this in order to not receive dispute letters from consumers? 

I have never received a returned to sender letter when mailing to the address on my credit report.
Consumer complaint received 2022-03-14
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. (NV)

Around XX/XX/2019, I lost my wallet containing my SS card and Drivers License, since then I continue to see applications for credit appearing on my credit report that are fraudulent. I have tried contacting the creditor and credit bureaus and have had no success in removing the fraudulent inquiries. This has caused harm to my credit score and ability for me to get credit and jobs that i need. 

Here are the Trans Union inquires that must be removed immediately as they are all fraud : XXXX XXXX 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 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 2022-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (VA)

I put {$500.00} on this account around the XXXX of XX/XX/XXXX i had {$100.00} paid to my XXXX XXXX phone account then it got locked by netspend ... .i contacted them they said they would not unlock card they must send me another in mail.I protested because i had set up automatic payments XXXX XXXX and others.Three days later I got my card from XXXX XXXX. A card number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX cv code i try to use it is locked i call company Netspend # XXXX i treated very rude i was threatened by Represents.of a permanent locked account because i questioned sending my drive license info., birth cert., medacare insurance info to them ... .then cheing ( female ) did lock my account with out reimbursing my money.I am considering legal action/ law suit!
Consumer complaint received 2022-03-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

On XXXX/XXXX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-12
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. (WA)

My credit score was XXXX until I filed complaint numbers : XXXX XXXX XXXX I checked my credit score today and it is now XXXX ( XXXX ). That is the single-digit number after XXXX. 

None of the companies in the above complaints have ever replied with any meaningful information regarding those. But, they have done something!!
Consumer complaint received 2022-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (LA)

I have a loan with First Investors Servicing Corporation and having an issue understanding their billing method. My payment is due on the XXXX of each month. If I do not pay on this day, they are calling constantly which is harassing since they know that there is a 10day grace period on my loan applies that I have 10days after to pay without a late fee applied.

I need assistance with the company that the calls are not warrant due to the grace period. 
If the payment maybe late, I will be calling them myself.
Consumer complaint received 2022-03-13
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. (IL)

I am submitting this complaint without any influence from any third party or agency. I have been doing my research on the FCRA. The law 15 USC 1681c-2 ( a ) says in case of identity theft, a consumer must provide : appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2021, I sent certified mail to Experian containing a copy of my state I.D . and social security card for identification, FTC report, I identified the fraudulent accounts of ; XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX my statement is on the FTC report that I did not consent or authorize the accounts. 
From previous phone conversations with Experian representatives regarding identity theft, I was told to provide a police report. The credit reporting agencies policy does not supersede federal law. The law never mentioned providing a police report when reporting identity theft. Nonetheless, I submitted a police report with the other documents. 
Im including a letter from the courthouse that confirms that they do not validate or verify with the credit bureaus. Im also including a page from my XXXX XXXX disclosure that indicates in the bankruptcy section that no bankruptcy is present. How did Experian verify this? 
In addition, the law states that a consumer reporting agency shall block the information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. Experian received my documents certified mail on XX/XX/2021. As of today, the fraudulent accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX still appear on my consumer report.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit. Thank you, your help is greatly appreciated!