davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-04-07
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: JPMORGAN CHASE & CO. (TX)

I've been going back and forth with XXXX and Chase trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. Chase stated that there is some sort of ID block or fraud, I contacted XXXX and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they may have messed something up on XXXX end and filed something incorrectly. They say the XXXX XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!
Consumer complaint received 2018-05-08
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. (MA)

I contacted transunion multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX XXXX XXXX New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for murders bank fraud etc. and transunion continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX can you have transunion explain this? they cant the only number transunion should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud XXXX XXXX denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both transunion and XXXX XXXX harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (PA)

XXXX XXXX XXXX close my account due to fraud The problem is is that I had nothing to do with it going on XXXX months sent them everything they wanted and they still haven't corrected the problem and they're costing me a lot of money
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX  reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the XXXXday 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 2022-11-14
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the XXXXday 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 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MO)

I received an alert on my credit report this morning for owing {$60.00} to XXXX. I never had XXXX, nor never lived in an area that offered XXXX. I called XXXX and told them that. I ask did the person who opened the account present any physical forms of ID, besides a stolen social security number? My concerns is how can someone open an account in my name, without presenting a physical ID to XXXX? All of my bills are current, and if I had an account with XXXX, it would be current too. I have bigger fish to fry than to slight XXXX out of {$60.00}. I refuse to pay it, because it's not mine. I actually would like XXXX to compensate me something for allowing person to open an account in my name without verifying ID. I'm in the middle of purchasing a home, and if this false information hinders that, I will seek further legal actions.
Consumer complaint received 2023-10-13
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-05
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)

XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed I have XXXX late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with XXXX  accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( XXXX ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late. 

Can you also make sure its XXXX name on my account as ( XXXX XXXX XXXX ) any other name is not me so anything linked to XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, XXXX XXXX is not me.Thank you! Please do not disregard the screenshot attached My only adress is XXXX XXXX XXXX, XXXX XXXX any other adress on my account is not me and you will be held accountable for inaccurate reporting by law which I know good. These following addresses donot belong to me ( XXXX XXXX XXXX, XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX, XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX belong to me please erase these addresses as soon as possible, thank you!
Consumer complaint received 2023-10-13
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Subject : IMMEDIATE Removal of Fraudulent Account from XXXX XXXX XXXX NATLCRSYS , Account # XXXX To Whom It May Concern, I am writing to notify you that National Credit Systems , Inc. is continuing to furnish a fraudulent account on my XXXX Credit Report. On XX/XX/XXXX, I communicated to National Credit Systems , Inc. and all 3 credit reporting agencies that the account appearing on my consumer report as NATLCRSYS, Account # XXXX, opened on XX/XX/XXXX, with a reporting balance of {$2200.00}, was a result of identity theft, and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I formally requested that the fraudulent account be blocked and deleted from my consumer report. In that request, I provided all the necessary documentation required by the FCRA to support my dispute and the removal of the fraudulent account. 
Despite my efforts, upon reviewing my most recent XXXX consumer report, I found that the fraudulent account is still being reported. Moreover, National Credit Systems , Inc. has failed to provide me with any documentation to validate this fraudulent debt or any documentation to support their claim that I owe this money pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ).

To further clarify, the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) requires that if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I applied for a Neiman Marcus store card issued by Capital One around XX/XX/23. I did not receive any correspondence regarding the application and didnt even know if it went through. The only way I found out that anything had taken place was when I saw a hard inquiry on my XXXX report. I was told that my application was denied because Capital One could not gain access to my XXXX and XXXX reports. Only discovered this once I called to ask why there was an inquiry. There are no letters or notifications in my Capital One account or Neiman Marcus account pertaining to this application. I was not requested to lift the freeze in any way. I requested that the hard inquiry on my XXXX report be removed as the application was not complete. Capital One stated that they needed access to all 3 bureaus to make a determination. However, the representative would not honor that fair and reasonable request. I have been penalized by other creditors whom I have cards with for having too many inquiries after Capital Ones reporting.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your bureau 's failure to comply with the Fair Credit Reporting Act ( FCRA ) has been noted. I demand immediate correction of inaccuracies in my credit report to adhere to federal law. 

Failure to rectify these violations promptly will result in legal action. I expect immediate compliance with FCRA regulations.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CO)

My XXXX account was overdrawn due to a medical provider billing error. I reached out to Key Bank multiple times for their help in getting the issue resolved. They did not help and closed my account in XX/XX/2023 with no notification in advance. The medical provider finally acknowledged their error and credited my Key Bank HSA credit card on XX/XX/2023. I reached out to Key and was told that they would return the funds to me via Check in the mail as my account was no longer active. I went to a branch in XX/XX/XXXX as I had still not received my refund. After several calls and months later, Key told me they returned the credited funds back to the medical provider as my account was closed. No-one from Key ever attempted to reach out to me despite multiple attempts on my part. I have since escalated the issue to the Executive Team that handles complaints however they have not helped either. I am simply asking for the funds to be returned to me as this was an error on the medical provider billing department.
Consumer complaint received 2020-04-07
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: Capio Partners, LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax Please verify or remove immediately the following accounts : XXXX  XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX xxxxxxxxxxxx XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX XXXX am a victim of identity theft and I never authorized this inquiry. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this Matter, I also certified mailed these companies affidavits on how they verified my debt and to show me or provide me the way they verified, with my certified letters I provided a copy of my ID, police report on identity theft and irs identity theft affidavit, and they still will not comply with my rights to take the fraudulent claims off my credit report I sent all the certified mail to all the credit bureaus and collection companys on XX/XX/XXXX and they will not cooperate, XXXX  XXXX XXXX asked for papers I already provided in the certified letters and they still wont take the fraudulent credit reports off my credit, every company has not took it off my credit report, my identity theft is so bad someone made XXXX companies with my information and XXXX XXXX said I owed them XXXX XXXX XXXXXXXX dollars, I have been trying to fix my credit and fix my identity fraud for some time and no one is working with me and giving me my rights they just want to continue saying its verified and will not disclose any information on how it got verified or how they can prove I opened it myself.