davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERIS BANCORP (SC)

For the past 16 months, Ameris Bank has engaged in a practice that enables merchants to draft my account without authorization even after I'd frozen my debit card. Ameris also delayed posting a deposit until after drafts or held drafts until my balance was deficient resulting in overdraft charges, which they will not refund. I'm told to contact the merchant but in about 8 or 10 merchants have not legitimate phone or contact information. And even after requesting a list of merchants that claimed preauthorization rights, I was denied that list as it's not indicated in my statement, then Ameris added additional OD charges for having an overdraft for less than a week. The bank had closed its branch during the worst if this last year and I was not allowed the chance to sort it out. Now, I have one if the disputed drafts pursuing me in collections after I had to close my account to stop charges, and Ameris says it has no record of the events leading to the unauthorized drafts. Ameris has exploited me knowing I have one main deposit ( SSA ) a month, and I have pleaded for them to stop merchants from drafting my account without my expressed intent. They've sent me threatening letters as to the status of my account that stems directly from erroneous, excessive OD charges.
Consumer complaint received 2023-05-15
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. (OH)

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 XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX BANKRUPTCY DISCHARGED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

We received a letter from Wells Fargo indicating we owe a debt on a credit debit card that we had paid off and closed almost 10 years ago, XXXX I believe. This letter was sent out XXXX XXXX and it we just got it XXXX days ago I did contact customer service I was transferred quite a few times and by the time I did get to someone the woman pretty much said all this is what she oh, there was none. None of them looking into it, they wouldnt let me talk to anyone above to find out what exactly was going on there just indicating no it wasnt paid when I know for a fact, me and my husband did paid off because we were XXXX off because we had to give our income tax to pay it off, and we close the account and still existing. We all this money I will not pay money that we are not obligated to pay if the account was already paid off, I remember precisely we did pay it off because we were so upset. It is a reason we left Wells Fargo because of charges that didnt make sense or add up and we never got payment back for it we just close it. We were done with them so I dont understand why theyre sending some this form now when this was a XXXX XXXX situation makes no sense and it sounds pretty sketchy. The letter itself is quite unprofessional. Theres no full account or credit card number. Mind you because we closed this account almost 10 years back. I dont think this is right I will not pay for something we do not owe
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TN)

A company by name of " Credit Mamagement Company '' ( which is how it is listed on my credit file '' placed a debt on my report for {$680.00}. Never heard of the company nor have I received anything in writing about this company and a debt. It just popped on my credit file and I do not have any collections on my credit file, which makes me very suspicious of who this company is. I do know by federal law, I am to receive any debt in mail especially if someone claims they are collecting on behalf of someone else, they also must be licensed and bonded in my state of TN to collect a debt, in which this company has violated by not following federal law and notifying me of a debt they are trying to collect that has been paid as it was nothing but cable boxes needed to be turned it, which they have been already for over a year and I do not owe a cable company, if I did they would not be giving me my current service now in my name. This company further more is not licensed and bonded in TN to collect a debt.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

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 2023-09-02
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. (CA)

Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

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

15 U.S.C 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 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. 

I have evidence of 11 different violations from XXXX, Transunion, and XXXX. That I will provide in docs.
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of 2022 and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-15
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. (OH)

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 2023-05-10
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. (AL)

I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

To whom it may concern, I am writing to you today to file a complaint against Equifax for failing to correct an incorrect name on my credit report. 

On XX/XX/2023, I submitted a dispute online through Equifax 's website. I attached images of my state ID, birth certificate, and social security card as proof of my identity. Within 24 hours, Equifax responded to my dispute stating that it had been completed. However, my name was not actually changed. 

When I called Equifax to inquire about this, I was told that they had received the images I submitted, but they now required me to send a photocopy of the documents via mail. I explained that I had already provided this information digitally, as they had requested, and that they confirmed that they had it on file. However, they refused to update my information without a photocopy of the documents sent via mail. 

This incorrect name on my credit report has had a significant impact on my ability to obtain credit. For example, I was can not obtain a fair mortgage because the lender was unable to obtain a credit score from Equifax due to the discrepancy in my name. I have also been unable to obtain other forms of credit, such as a car loan or credit card. 

I have never changed my name, and I do not go by any aliases. The incorrect name on my credit report was simply entered into Equifax 's system erroneously. I have provided Equifax with ample evidence to prove that I am the owner of the account, but they have refused to update my information. 

I am requesting that Equifax immediately correct the incorrect name on my credit report.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2017-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A & E Futures LLC (TX)

I received communication from XXXX XXXX associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement that shows a completely different amount from what is being reported to the credit bureau. The address listed is not my address and inaccurate information is being reported. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX. XXXX XXXX  XXXX. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2017-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

This is my  3rd  dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Consumer complaint received 2023-05-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

Creditor : XXXX XXXX XXXX Account Number : XXXX Charge-off Amount {$14000.00} Original Balance : {$15000.00} I received a copy of my credit report with the intentions of trying to improve my credit and take care of my responsibilities and notice this account that states that in Accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX has violated my rights. This account was paid in full before being handed over to a debt collector and XXXX XXXX continues to report this negative report on my credit account. XXXX XXXX has responded to my dispute as accurate and verified, while I have researched my own credit report and have found discrepancies in the manner of which this information was verified. I would like to receive a full report verifying this debt as still owed because it has already been paid in full and closed before being turned over to a collection agency. 

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

15 U.S.C 1681 Section 604 A Section 2 Also States a consumer reporting agency can not furnish an acoount without my written instructions.