davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (HI)

Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX XXXXXX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX CO Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX XXXX. Auto Inquiry XX/XX/2023 Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-10-10
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: ALLY FINANCIAL INC. (GA)

I have reviewed my credit report and found that the inquiry on XXXX XXXX was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (CT)

I am writing to file a complaint against Experian for reporting a charge off from XXXX XXXX XXXX ( reference number : XXXX ) on my credit report. This item is in violation of the Fair Credit Reporting Act ( FCRA ), as I have a right to dispute any inaccuracies on my credit report and have the issue promptly investigated. 

I have made numerous attempts to resolve this issue with Experian but have not received any response. I have provided Experian with the necessary documentation and information to support my dispute, yet I have not received any resolution or communication from the company. I have NEVER received any response or verification proof for this account mailed out to my address for this unverifiable item being reported on my consumer report. 

According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation when a dispute is filed, and to delete or correct any information that is found to be inaccurate or can not be verified. Experian has failed to meet these requirements, and I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under the FCRA are protected. 

Specifically, I request that the charge off from XXXX XXXXXXXX XXXX be removed from my credit report, as it is in violation of the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-17
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. (FL)

On XXXX, XXXX I dispute with Transunion the Public Record Information on My report and they answer on XX/XX/XXXX with a verified response. They informed me in the letter the information came verified from XXXX XXXX, which is impossible because XXXX XXXX remove this item from my file on XX/XX/XXXX enclose the letter for your review.
Consumer complaint received 2023-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reviewed my credit report and found that the inquiry on XXXX XXXX  was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Consumer complaint received 2020-03-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

On XX/XX/XXXX we applied for an interest rate reduction. Since then we have been awaiting title to clear. I have emailed and/or called everyday to find out what is needed, and I keep being told we have escalated this to our manager, or we emailed title company to see what is needed. It has been almost 2 months. I have heard great things about freedom and really want to have a relationship with them but this is getting insane. additionally, since we applied interest rates have gone down, we inquired about having a lower rate and was told they would look into, but again no response. Please please just help us get the interest rate reduction program completed.
Consumer complaint received 2023-01-03
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated. 
The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (TX)

I received a letter dated XX/XX/year> from McCarthy Burgess and Wolff debt collection company regarding an alleged XXXX debt. I requested they validate the debt, and they did not. I also requested a cease and desist. They never validated the debt and again contacted me in a letter dated XX/XX/year> trying to settle the debt.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted as followed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have been charged off as profit loss write offs and by law with accounts being over {$600.00} I was suppose to receive an 1099 from all companies in the mail which they have failed to do so how can I be charged for debt that has shown clearly it has been paid with write off and 1099s not mailed by law as stated.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Consumer complaint received 2023-08-10
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. (PA)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third,  without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.
Consumer complaint received 2023-01-03
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. (MD)

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX Reference # XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XX/XX/2021
Consumer complaint received 2023-01-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Experian continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.