davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/scrub>XX/XX/2024 - According to XXXX, a new credit account lent by Capital One was opened on my account. This account was opened fraudulently. 

XX/XX/scrub>XX/XX/2024 - The date XXXX XXXX provided over the phone for the opening of the fraudulent card. 

XX/XX/scrub>XX/XX/2024 - I received an alert in my XXXX Inbox that this card 's balance overextended its credit limit of {$2000.00} by {$3.00}. 

XX/XX/scrub>XX/XX/2024 - I received an alert in my XXXX Inbox that this card 's balance payments are overdue by 30 days. 

XX/XX/scrub>XX/XX/2024 - I'm alerted by my sister and my brother of similar fraudulent events occurring with their identities, they encourage me to investigate my own, and I discover all the information listed above. 
I attempted to call Capital One, who required the last four digits of the card for me to get anywhere with their caller system, which I did not have because, obviously, I'm not in possession of that card. 
I called XXXX, my bank, who could not help much as the fraudulent card was opened with Capital One, not with XXXX. 
I called XXXX, who could not help me outside normal business hours. 
I called XXXX XXXX, who provided me with the full 16-digit credit card number, confirmed the existence of the suspicious address on the account for me, and told me the card was opened on XX/XX/2024. 
I recalled Capital One, now that I had the full credit card number, where they filed the card as fraudulent for me, couldn't comment on the date the card was opened, confirmed that purchases were made in XXXX XXXX, Florida ( the location of the suspect address ), made list of my two suspected individuals, and directed me to this website. 
And now I'm here. : )
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my OTHER 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 items 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 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  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (CA)

On XX/XX/XXXX, I noticed there was a charge on my debit card for {$100.00} for " XXXX XXXX '' At the same time, my debit card stopped working even though I had money in my account. I called my bank to try to figure out what was going on, and they transferred me to their levy department. From there I was told I have a levy on my bank account from the XXXX XXXX XXXX XXXXXXXX, who was working with a collections agency called United Collections Bureau ( UCB. ) I called UCB, and they stated I owe the Indiana IRS {$1000.00} for individual income tax from XXXX. Because I had not filed Indiana taxes in XXXX, they estimated what I would have owed and until I pay them that amount, they are in control of my bank account. ( I have no idea how they even got the estimate, as I have never in my life owed for my taxes. I always have received a refund. ) I had not received any communication that I owed a debt, neither through email, phone, or mail at any point in time prior to the levy on my bank account. 

I was not living in Indiana in XXXX, I was living in XXXX, GA. I did not work AT ALL in Indiana at any point in XXXX. I filed taxes in GA. I told UCB this, and they said if I could send them a copy of my wages, they would review it. They gave me 45 days to get this information. The only way to obtain wages over 10 years ago is to contact the Social Security office, which I did. I spoke to someone who confirmed verbally that I only made wages in the state of Georgia amounting to {$34000.00} and my employer was XXXX. I asked if I could get a transcript of that to send to UCB, and she stated it would cost {$150.00} and would take over 4 months to get to me. I relayed this information to the Indiana IRS and they did not care. I asked them to call the Social Security office themselves, and they said they couldn't. I have asked on many occasions for documentation/proof of what I " owe '' and all the UCB will send me is a generic letter with the amount I " owe '' with no details of why I owe it. ( See Attached ) I have been in extreme emotional distress trying to deal with this, have missed countless hours of work on the phone with different companies trying to straighten this out, and have lost sleep worrying about this. It's cruel to try to steal money from citizens like this, it doesn't feel legal.
Consumer complaint received 2023-06-09
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. (VA)

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

XXXX. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA and XXXX  Law. I never made a transaction with this company and this seems to be an information about a medical debt so I need to know what information these and who's given them. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : I C SYSTEM - XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX
Consumer complaint received 2023-09-11
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-04-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo repossessed my XXXX XXXX XXXX  after payment to make account current was made. I was held responsible for loan payments after repossession was made. This negatively impacted my credit as well as cost me me thousands. Not to mention the major inconvenience. I understand my payment was late but it was made before repossession was to happen. 

Almost a decade later I received a check from Wells Fargo Auto for {$180.00} due to over payment. I spent thousands on the car they took back within 6 months of having it. 

I also received a separate check from Wells Fargo Bank for my account they admitted to wrongful actions for {$150.00}. I never cashed or deposited that check and was a completely separate incident from the auto loan. 

I wasn't the perfect customer and admit I was late on payments. But payments and over drafts were settled. Now after a decade they admit to wrong doing and they send me checks for enough groceries to last a week, when they robbed me for thousands of dollars. 

My issue is because this happened so long ago, I don't have any paper work or account log ins from the incidents. Wells Fargo obviously has admitted to wrongful practices against me twice, having sent XXXX separate checks and letters of apology for their actions. 

I hope further compensation will be provided as I was absolutely cheated then, and feel insulted by their weak attempt to make things right.
Consumer complaint received 2023-06-09
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-09
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. (GA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-05-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Professional Finance Company, Inc. (NE)

I paid off and settled down my account as offered by the debt collector ( Professional Finance Company ) on XX/XX/2024, and I requested them to report the update to my original debt creditor to correct my debt information on the credit agency. However, I contacted them several times, but the information from my credit agencies responded with no updates.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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: DISCOVER BANK (FL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.