davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

This debt keeps popping up on my credit report, and I have disputed it several times. The account was being serviced in a state that I have never resided in and at a time when I was living in a completely different state. When I contacted the agency attempting to collect on this debt, I was provided with the service address, the account number associated with the account and the dates of service. I also contacted XXXX customer service and the referred me to file a complaint of identity theft/fraudulent account here.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I have reached out to XXXX, Equifax, and XXXX to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to XXXX on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

Creditor : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX XXXX To whom it may concern, I recently sent a letter to a furnisher that appears on my credit report. Unfortunately, the letter was returned by the postal service. 

XX/XX/XXXX {$810.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$320.00} Per the FCRA, it states, The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) A currently unreachable company furnished this account at the address and phone number listed. I have attempted to contact this company but have had no response. Please delete this account from my credit report as soon as possible. 

Thank you for your anticipated cooperation in this matter.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : 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
Consumer complaint received 2023-09-25
Product: Credit reporting 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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2024-03-30
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: Experian Information Solutions Inc. (FL)

XXXX Remove and delete Address XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX AV XXXX XXXX FL XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -Equifax Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -Experian Remove Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Delete Inquiry XXXX XXXX XX/XX/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
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX, Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (FL)

Dispute of Erroneous Credit Report Entry Due to Alarm Contract Transfer I am writing to address a significant issue that has recently come to my attention regarding my credit report. Approximately seven years ago, I sold my property and, as part of that process, legally transferred the associated alarm service contract to the new homeowner. Please find the attached document which clearly outlines the terms of this contract transfer. 

Despite this, I have been informed that a collection agency has reported an alleged debt related to this alarm service to XXXX as if it were a recent default. This action is not only incorrect but also highly damaging to my credit standing. It appears to be a clear case of double-dipping, attempting to charge me for a service that I have not used since the sale of the house, while presumably also collecting from the current owner under the transferred contract.

This situation seems to be a severe error with potentially illegal implications, given that the debt is both outdated and invalid. The reporting of this as a recent default is misleading and unjust, significantly impacting my credit score and financial reputation.

I am currently residing outside of the USA, and it is distressing to learn that my credit report is being negatively affected by an issue that was resolved years ago. I request immediate action to investigate and rectify this matter. The collection agency 's claim is baseless and should be removed from my credit report to reflect the true status of the account accurately. 

I am prepared to provide further documentation or engage in a discussion to clarify any misunderstandings. However, I expect prompt correction of this error to prevent any further unwarranted damage to my credit and personal reputation. 

Thank you for your immediate attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

Nelnet has put inaccurate Fraudulent information on XXXX, XXXX XXXX credit reports and have not removed them after I disputed them countless times I never agreed to pay them anything I never opened up an account with them and I never used their account that's posted on my reports They have websites that track or store or share way too much of our information without our consent or knowledge and don't have a way for US to have more control so no they are asking way too much and then they have Data Breach lawsuit and have been accused of posting inaccurate incomplete or Fraudulent accounts on people 's credit reports I won't them to STOP and Remove Themselves from my credit report not to post on my credit reports any more Just because these Data Bases share Our Social Security Numbers or Names and Address with each other or sell it without our consent or knowledge it doesn't mean We should have to suffer with the rejection these post cause us to end up with for rent Mortgage and what ever
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MECHANICS BANK (CA)

I made a deposit of {$300.00} on XX/XX/XXXX somewhere around XXXX to XXXX XXXX Upon making the deposit, the ATM did not give me a receipt and I recall stepping back looking at the machine as to why I did not get a receipt. I then walked away thinking that maybe the ATM machine was out of paper. On XX/XX/XXXX I checked my account and there was no deposit. On XX/XX/XXXX I checked my account again and there was no deposit. I then contacted the bank to inquire. A claim was filed, but with the wrong date. On XX/XX/XXXX I contacted the bank to make sure they had the correct date of XX/XX/XXXX. I went into the bank on XX/XX/XXXX to sign the complaint and deposit {$300.00} into my account. I was given a reference number. The company sent a letter on XX/XX/XXXX stating they did not find that an error had occurred. I contacted bank on XX/XX/XXXX requesting bank XXXX to audit and review video camera on XX/XX/XXXX between XXXX XXXX. and XXXX XXXX I have spoke w/ bank XXXX several times and I was told that after auditing and reviewing video camera of ATM ( on the right ), a representative in the bank didn't recognize me in the video of the ATM. I sent pictures of myself as well as a screenshot of my location from my phone showing that I was at the bank. I am still being told that after their review of the video it does not show me. I am positive I was at the bank and made a deposit on XX/XX/XXXX. I even had a witness with me because I did not feel safe going in that area alone.
Consumer complaint received 2018-01-24
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. (MI)

First contacted XXXX, XXXX, Trans Union and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXXand closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX  cancelled a wire that I made last XX/XX/XXXX. I opened a wire recall case with chase and XXXX respond with this " ATTENTION INVESTIGATIONS DEPARTMENT,. IN RESPONSE TO YOUR REQUEST REGARDING ORIGINAL PAYMENT DETAILS. THE RETURN IS BELONGS TO BELOW ORIGINAL PAYMENT. SENDER REFERENCE XXXX TRANSACTION REFERENCE XXXX AMOUNT XXXX VALUE DATE XXXX IN REFERENCE XXXX RELATED REFERENCE IBH OF XX/XX/XXXX. PLEASE NOTE THAT DUE TO YOUR LACK OF RESPONSE TO OUR PREVIOUS XXXX MESSAGES THE ABOVE REFERENCED PAYMENT HAS BEEN CANCELLED AND THE PAYMENT WILL BE CONSIDERED AS NULL AND VOID AND FUNDS WERE RETURNED TO YOURSELF UNDER OUR REFERENCE XXXX FOR AMOUNT XXXXAND WITH VALUE DATE XXXX PLEASE QUOTE OUR REFERENCE XXXX ON ALL FUTURE CORRESPONDENCE REGARDING THIS MATTER. REGARDS, XXXX GLOBAL INVESTIGATIONS OUR XXXX '' They keep sending the same message to chase and chase is not able to refund the money back to my account. Its been over a month and XXXX employees are not reading the messages properly and kept insisting the wire was null and void. XXXX should have been back to my account last year and this is all very stressful to deal with this bank. I also wasted at least XXXX hours calling and following up with chase and most of their employees are giving me different answers. 

Its either Chase is not doing their job properly with XXXX bank, or XXXX employees are not doing their job. It should have been an easy fix since the wire was void in the first place.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank fraud department suspended my checking account # XXXX erroneously based on suspected fraud. While I appreciate reasonable efforts to keep customer deposits safe, in this case the bank made an error and has been unresponsive for two weeks, despite my repeated efforts to address this. The situation is unacceptable and has resulted in economic damages, because I do not have access to my money in the account.

For context, I recently rented out my apartment and opened this TD basic checking account for all income and expenses related to this rental unit. I deposited two certified checks provided by my tenant. One check was for the security deposit ( check # XXXX for the amount of {$3500.00} ), and the second check was for first months rent ( check # XXXX for the amount of {$3500.00} ). I deposited them on XX/XX/23 and XX/XX/23, respectively. 

Shortly thereafter, I discovered I could not access my account ( online, via the mobile banking app, or via ATM ). After several calls to customer service, I visited the bank branch located at XXXX XXXX XXXX, NY, NY XXXX and contacted my primary branch located at XXXX XXXX XXXX, NY, NY XXXX. The branch manager at XXXX XXXX XXXX, XXXX XXXX, has not been able to resolve this with the fraud department, despite her relentless efforts on my behalf. 

At this point, the bank has essentially stolen {$7000.00} from me. The bank has taken no action to remedy the situation despite the fact that I have verified my identity as the proper account holder. The two checks I deposited were also cashiers checks, certified by the tenants bank. I find the banks behavior truly unprofessional and unacceptable. 

I have been trying to solve this with TD bank directly by calling all TD bank numbers I possibly think of ( general customer service numbers, resolution help number, etc ) and by going to the branch in person, but unsuccessfully.

I need TD bank Fraud Department to release and unfreeze my account immediately. And, TD bank needs to create a live Fraud Department hotline where customers can call and ask for help. 

Best, XXXX XXXX
Consumer complaint received 2023-12-11
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. (TX)

My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$330.00}
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 : 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 XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
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. (FL)

I AM NOT LIABLE WITH THIS DEBT AND DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. I MAKE THIS REQUEST PURSUANT 15 U.S.C 1681i OF THE FAIR CREDIT REPORTING ACT 1997. DELETE THIS ACCOUNT WITH XXXX, XXXX XXXX TRANSUNION. 

ACCOUNT XXXX