davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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: CITIBANK, N.A. (CA)

This is a dispute with Citibank regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use.

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user.

He stopped paying the balance back in XXXX after we divorced, and this account is now a negative on my credit report. When I call Citibank, they can not give me any information because Im not an authorized user.

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze?

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have 2 negative accounts reporting on my credit that should not be there. I do not recognize either of them to be mine. The credit bureaus are violating my consumer rights by reporting misleading and inaccurate information. I also filed a ftc on XX/XX/21 which was ignored because both items are still on all of my reports.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Cfpb complaint inaccurate information In pursuant to 15 U.S.Code 1681 this is a violation of my consumer privacy rights. I am listing the account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate Account number, inaccurate opening dates, inaccurate reporting dates, and Last reporting dates.
Consumer complaint received 2023-03-31
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. (VA)

To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with Transunion. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID, and I also have attached the bogus unlawful stall letter that this company has repeatedly sent to me twice with no valid merit in doing so as I have complied with all verification requirements. 

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf. 

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements and this proves that I followed correct protocol.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CO)

I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX and received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. I realized after several attempts that my disputes were getting denied immediately and that representative was pulling me into a cycle of starting a dispute and getting denied without investigating the case. 
I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they responded back on XX/XX/XXXX. In their response, they wrote that they made their decision without reviewing any of the documents I sent to them. I had sent them a police report and multiple declarations of fraud explaining the sequence of events. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. It was frustrating to learn that American Express made their decision to refuse giving my money back without an investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the accounts shown in my consumer credit report, as referenced below, originating from data breaches and fraud. I require real, verifiable evidence bearing my signature or electronic signature. This communication is my personal request and requires comprehensive review. Similar activities, taken without my authorization, violate my consumer rights, as defined in the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. 

XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX {$1400.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2700.00} XXXX XXXX XXXX - XXXX {$2400.00} XXXX XXXXXXXX XXXX - XXXX {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$2800.00} XXXX - XXXX $ XXXX XXXX  - XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX {$410.00} XXXX - XXXX {$460.00} XXXX - XXXX {$20000.00} XXXX - XXXX {$60.00} XXXX XXXX - XXXX {$420.00} XXXX  XXXX - XXXX {$80.00} XXXX  XXXX XXXX XXXX {$200.00} LATE PAYMENT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (TX)

My identity was stolen a few years ago and I have been trying to get this information deleted from my credit report since that time. I did not open these accounts listed on this report.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MN)

I have Credit Card debt due to Identity Theft. The scammer hacked into my XXXX account to purchase {$2000.00} of XXXX on XX/XX/21. This transaction caused an overdraft of my checking account on XX/XX/21. Because my checking account had overdraft protection, the overdrawn amount was charged to my credit card. XXXX also says that I owe them due to a Chargeback settlement on XX/XX/21 with the scammers Bank. 
Current Amount owed to Wells Fargo Bank N.A. Credit Card = {$2100.00} Current Amount owed to XXXX = {$1900.00} I have filed a local Police report, FTC Identity Theft report, a FBI IC3 report ... I have also closed all of my Banks accounts ( Checking, Savings, Credit ) and opened new ones with Wells Fargo, but the Credit card debt remains ... XXXX has permanently limited usage to my account with them.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank you.
Consumer complaint received 2024-03-25
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-03-31
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)

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX AND XXXX XXXX XXXX. Transunion was successfully able to dispute and block the fraud account which is XXXX XXXX AND XXXX XXXXXXXX XXXX BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Consumer complaint received 2023-03-31
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)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (UT)

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 XXXX  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 XXXX  days old.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-10
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. (FL)

Back in XXXX of 2021, this card was close by the company without any notification communicated to me, for potential fraud! I reached out to the company to resolve this matter and asked profusely for the account to be closed each time. I was assured the matter was resolved each time. In XXXX of 2021, I received a credit monitoring report showing, I was delinquent with this company! I called again, and begged the companys corp office to correct this issue! I promised again, the matter had been resolved! I received a faxed notice as well as a mailed document from this company stating this matter was resolved! However, again I was misinformed and this account had become further delinquent! They now have two opened credit cards in my name. I only had one card from this company. I reached out to this company today, only to find out both accounts where still opened with outstanding balances! I never received a new card from this company and havent use the service since XXXX, when I paid the account in full and asked for the account to be closed! They refused to close the accounts and are charging late fees and services fees, stating I must provide certain identifications in order to close the accounts! I was never notified of this information. I do not feel comfortable providing this company with any more of my personal information at this point, I feel like this company is practicing predatory lending practices and providing fraudulent information on consumers to the credit bureaus! This company is providing false information about me, which is defamation of character at this point. Im in need of help immediately to prevent this from tainting my credit history any further! The company is now hanging up on me each time I call or leaving me on extended holds and refused to assist me with this matter! I will also start seeking legal counsel to assist with this matter.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates (VA)

I have contacted XXXX  ( creator of bill ) sent to XXXX XXXX XXXX  ( billing for XXXX  ) sent to Hillcrest Davidson ( collationer for XXXX  ). I have been told that the {$1500.00} bill they are trying to collect was for installation. We had XXXX in XXXX, Va.-sold and moved to -- .XXXX  , VA. temporally while home built -- -moved to new home. We had XXXX  in every location. We contacted XXXX as too what we might owe and they said nothing. XXXX sent billing history Which showed nothing. Several DAYS after moving in, we received a letter from a collection agency ( Hillcrest Davidson ) that we owe {$1500.00} they sent us to XXXX XXXX XXXX  ( which referred me to XXXX ) We already had a billing statement from them. I have been bounced around without satification. My wife paid a reduced amount of {$1000.00} to protect our credit. We were never notified that we owe a bill nor did we know how much and what for. We have a bill that we owed this, should they have notified me that it was owed and how much without any prior notification of debt? PLEASE HELP. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - first part missing -- - I had XXXX  in my home in XXXX, VAA -- sold moved to XXXX, Va. ( a rental ) -- - moved into new home in XXXX, Va. We called to see if we owed them anything, they sent payment history showing nothing owed. Days after moving we received a bill from a collection agency ( Hillcrest Davidson ) stating we owe {$1500.00}. My wife called and said we owe no such bill. She was scared of damaging our credit that she negotiated a lower price XXXX {$1000.00} which we did not owe. We started with XXXX who sent us to Safe streets Bank ( XXXX biller ) sent to XXXX XXXX XXXX  to Hillcrest Davidson sent to Safe streets bank sent to XXXX.
Consumer complaint received 2021-07-10
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: Experian Information Solutions Inc. (TX)

on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, Experian, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.