davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

US bank wrote in their response to me regarding CFPB complaint XXXX that their bank account agreement allows accrual of fees and that they already refunded certain fees a few years ago to me, back in XXXX. 

This is to emphasize the solution for return of fees from a few years ago applied to the issue from a few years ago. This new issue concerns XXXX fees and request for refund of XXXX fees. 

Also, I state even though US Bank practice to assess fees is in their account agreement, the practice is wrong ( possibly illegal ). As such it should not be part of the agreement. This is especially so if the transactions are not honored. Namely, if US Bank rejects a transaction, we are not being given a service but we are being charged for and end up paying the fees. This is wrong. 

It is also wrong and bad customer service to not provide such a service consistently ( if allowed to be offered as is ).  Honoring some transactions and returning others messes up with our business operations and makes us financially illiterate. Plus, it is costly and overall a bad customer service. Possibly illegal. 

US Bank states their service accounts of certain type can reject transactions that go into a negative but would still charge a service for it. My goal is to pay for services that I do receive and receive them consistently. Returning transactions that would go into a negative is not a service as these transactions are transient and do not draw on US Bank funds for support.
Consumer complaint received 2023-02-06
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. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX. 
Acct # : XXXX XXXX  XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither XXXX nor Equifax want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SD)

I read on your website that Wells Fargo had a {$3.00} XXXX payout for mismanaged mortgages. In XX/XX/2018 Wells Fargo took over my mortgage. Immediately they raised my mortgage payment from {$770.00} to {$950.00} per XXXX claiming the interest was the same and couldnt provide details as to why the payment went up other than to say there was a mismanagement of my mortgage by the previous XXXX companies and there was nothing I or they could do. Could you provide me more information to submit my information to be included in this case payout as I feel my situation would apply? I have since closed all my Wells Fargo bank accounts and also sold my house to paid off the mortgage. Please let me know if any further information is needed. Thanks for your help!
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

Wrong Information being reported in my consumer report on ChexSystems XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ; XXXX ; XXXX I am unable to open accounts with certain banks due to my consumer file XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank to name a few that states there are items in my report that deny me from opening a account. I asked for copies of my report and the reports I received show that there are no items and when I call the financial institutions I am unable to verify my identity due to ChexSystems.
Consumer complaint received 2023-01-24
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)

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 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 2023-01-24
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 2020-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a letter in the mail from. XXXX XXXX XXXX about an account I had with Capital One. Capital One has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by XXXX XXXX XXXX, which apparently purchased the debt from Capital One. I asked them for the number and when I called XXXX, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have XXXX provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mid-Atlantic Finance Co., Inc. (FL)

I am a victim of identity theft, and this company has no record of me signing a contract with them claiming this debt belongs to me. I asked the company XXXX  times to provide documentation that this debt belongs to me, and they haven't provided any documentation yet. I need this removed from my account immediately please.
Consumer complaint received 2023-01-24
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. (PA)

My name is XXXX 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.
Consumer complaint received 2023-01-24
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. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Subject : Request for Access to Credit Report I hope this letter finds you well. I am writing to request your assistance in resolving an issue I am currently experiencing with accessing my credit report through your company. 
I recently attempted to access my credit report from Equifax, XXXX, and XXXX, but unfortunately, I have been unable to do so successfully. Despite several attempts over the past XXXX XXXX, I have encountered persistent difficulties, and I am concerned about the impact this may have on my ability to obtain my credit score and review the information contained in my credit report. 
I understand the importance of regularly monitoring my credit report to ensure its accuracy and to address any potential errors or discrepancies promptly. As a responsible individual, I strive to maintain a strong credit history and ensure the information reported about me is correct. However, the current situation has hindered my ability to access vital credit information that is crucial for my financial planning and decision-making. 
I kindly request that you investigate this matter and provide me with the necessary access to my credit report as soon as possible. I believe there may be an issue on the system 's end that is preventing me from accessing my credit information. If there are any specific requirements or additional steps I need to take to verify my identity or resolve any potential obstacles, please let me know, and I will gladly comply. 
In the interest of resolving this matter efficiently, I have included my relevant details below :
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (CA)

To Whom It XXXX Concern, I have recently received a copy of my credit report. The report had an account listed from XXXX XXXX a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. I provided a identitytheft report and a police report, backing my claim and nothing happened. 

XXXXXXXX XXXX  ( Opened XX/XX/2018 ) I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account withXXXX XXXXXXXX. Someone opened this account in my name in 2018 please remove it immediately before further harm is done. I am requesting that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.
Consumer complaint received 2020-03-10
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. (OR)

I opened complaint no. XXXX, this was submitted XX/XX/XXXX your organization closed XX/XX/XXXX due to Transunion citing they were still investigating my claim. No final response was provided within 60 days, I am XXXX and XXXX XXXX, I have cause for failing to meet feedback date and I take full responsibility for this but Transunion never resolved my allegations please open new ticket on previously cited complaint no.for evidence to my claims and please don't close my complaint until Transunion resolves my complaints your process is allowing them to not follow thru on my complaints without any accountability. Transunion cited the investigation is progress XX/XX/XXXX, no resolution. They are in violation of The Fair Act Reporting, 15, U.S.C., 1681, all inclusive.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to be investigated and deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-24
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: Dynamic Recovery Solutions, LLC (VA)

XXXX XXXX XXXX XXXX has been selling and sending out my medical information to debt collectors for over seven years now. This is illegal and against my HIPAA laws. I did not authorize them to send this out to a third-party Dynamic Recovery. I also had insurance at the time. They also keep falsely reporting to my credit report to other debt collectors. Its also been seven years and this debt is supposed to be dropped by law.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I have a Venmo account and on XXXX XXXX I received an email regarding a credit card opened and purchased for over XXXX dollars. The email I received was attention to the fraudulent person. I have reached out to Venmo fraud department with no resolution. According to Venmo representative, there is a mix up of personal information. For some reason, the fraudulent person has my phone number and my email address. However, the social security number used to open a credit card is not mine.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2023-01-24
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. (NJ)

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX 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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-17
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. (MI)

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX