davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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 have tried to remove false debt collections that's reporting on my credit report. Both of these companies are showing inaccurate information on my credit report that I know nothing of. I will share documents below to show the letters I sent to the credit bureaus of the inaccurate information and its still reporting to this day. I also sent letters to XXXX XXXX XXXX and XXXX XXXX of proof of validation and haven't received an respond back on their part. These debt are negatively affecting my report which is affecting my life in many ways. I also provided screenshots of how its showing on my credit reports. All reporting different information. I am a victim of identity theft and I'm writing this to dispute information in my file resulting from the crime. Please remove these collections off my credit report for fraud and inaccurate reporting information as soon as possible. I reported the theft to the Federal Trade Commission and also attached the identity theft affidavit. 

- XXXX XXXX XXXX Account number- XXXX Date opened- XX/XX/XXXX Balance - {$6000.00} ( a month ago it was {$5900.00}. How is a balance still going up for an closed account? ) - XXXX XXXX Account Number- XXXX Date open- XX/XX/XXXX Balance- {$16000.00}
Consumer complaint received 2024-04-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crawford & von Keller, LLC (GA)

" A Quote From Original Doc '' I recently received communication from Cravwford & von Keller LLC on the behalf of an alleged debt from XXXX XXXX XXXX XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. Further more pursuant 15 U.S.C 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. You have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You are attempting to collect an alleged debt where the so called original creditor has falsely represented the character and other Violations under 15 U.S.C 1692 e that you are implementing yourself in..
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IA)

I filed a dispute with wells fargo because there was fraud charges from my account going to XXXX and 20 minutes after i submitted this claim to Wells Fargo, My online banking was shutdown and i can not access my online banking because i filed a fraud charge dispute.
Consumer complaint received 2017-07-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of XXXX verifying that all of the
requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

this message is against XXXX, experian, and XXXX. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police report
Consumer complaint received 2021-12-30
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: Affirm Holdings, Inc (GA)

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, affirm, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Consumer complaint received 2021-12-30
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: The Bureaus, Inc. (GA)

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, XXXX, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I have received a notice of being overdue. All my payments have been made on time. They also still owe me a refund for the loans XXXX for XXXX. I tried emailing and was told my issue needed to be handled by a call. My XXXX attempt, I was on hold for XXXX minutes and I had to go back to work. The next day I tried several times and got a busy signal each time. I have even provided copies of where my bank had the funds deducted and it still has not been addressed
Consumer complaint received 2022-12-18
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. (NY)

Good evening! Ive always made on time payments. I receive some disturbing news from my credit information and none these accounts Are reporting positive information Im gon na excise my right under 15usc 1681 I demand that all of these accounts be update always made on time payments I demand updates all positive information being reported. delete collections not mine. Accounts to be updated to on time payments : XXXX XXXX XXXXopen date Change to on time payments Last report date XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX date Chamge to on time payments Last report date XX/XX/XXXX Chamge to on time payments XXXX XXXX XX/XX/XXXX Last update XX/XX/XXXX Positive on time payments XXXX XXXX  Open date XX/XX/XXXX Last report date XX/XX/XXXX On time payments XXXX open date XX/XX/XXXX Charge off delete Last update XX/XX/XXXX Thats charge off delete XXXX XXXX XXXX XXXX XX/XX/XXXX Closed XXXX update to on time payments I am going to Folllow up with a civil suit as well Im going to notify the attorney general after I get response.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

this message is against XXXX, XXXX, and transunion. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police report
Consumer complaint received 2021-12-30
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : XXXX Account Number : XXXX Account Opened : XX/XX/2021 Balance : {$180.00} Inquiry Name : XXXX XXXX Date : XX/XX/2021 2021
Consumer complaint received 2021-12-30
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2019 I received an Amazon.com store credit card in the mail with a credit limit of {$2400.00} and the card is maintained through Synchrony Bank. The only problem is, I did not request, nor did I apply for this card and it has been almost a year since my last purchase with Amazon.com. This greatly concerns me since in order to open up a credit card would require my personally Identifiable Information. I have contacted Synchrony Bank and confirmed the card balance is {$0.00} and I have cancelled the card. When I spoke to Amazon 's Customer Service on  XX/XX/2019 I asked whom open a card in my name and I was told " I can not provide you with that information ''.
Consumer complaint received 2021-12-30
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. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2017-07-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALLof the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message. Several days later I received mail that appeared to be the result of XXXX verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I made a purchase {$280.00} with XXXX XXXX ( XXXX and XXXXXXXX XXXX ) on XX/XX/XXXX. Since I didn't receive the t -shirt I purchased, I filed a claim with Citi and received the conditional credit for dispute from Citi on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi told me that they tried to contact the merchant to resolve the issues with but failed. So Citi reverse-charged the credit {$280.00} on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi asked me to settle this dispute by issuing a permanent {$80.00} credit on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi mentioned that I could continue working with the merchant to get my full amount of money back but Citi would not involve in the future discussion any more. I agreed with the settlement with Citi and accepted the {$80.00} credit. I continued working with the merchant and the merchant finally issued a full refund of {$280.00} on XX/XX/XXXX. Since my original purchase was made via XXXX, the refund was issued through XXXX ( see XXXX transaction details ). The refund was shown as " XXXX *END. '' on my Citi statement on XX/XX/XXXX ( see Bank XXXX XXXX statement ). However Citi reverse- charged me again on XX/XX/XXXX ( see Bank XXXX XXXX statement ). I contacted Citi to understand why Citi reverse-charged me again since then. Citi insisted that Citi issued the refund on XX/XX/XXXX and they decided to reverse charge the money. But from the XXXX transition details and my Citi bank XX/XX/XXXX statement, it is clear that the refund was issued by the merchant rather than Citi.
Consumer complaint received 2021-12-30
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!
Consumer complaint received 2021-12-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Bank provided a letter dated XX/XX/2021 informing me that all checking and savings accounts that my spouse and I have held for over a decade were being unilaterally terminated by XX/XX/XXXX. No reason was provided. The closure timing was inconvenient as I was expecting some late IRS tax refunds to be deposited into that account. I also have funds tied up in a XXXX brokerage account that can not allow you to withdrawal more than a small sum of money to a new bank account ( since USAA closed my account ). This is denying me liquidity to pay my holiday and year-end expenses, About {$18000.00} is be tied up due to these related issues.
Consumer complaint received 2021-12-30
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (ID)

On XX/XX/2022 I received a bill from XXXX in my name in the amount of {$81.00}. I do not have or applied for an account with XXXX. When I called to inquire about this bill a recording asked for my account number which I do not have. I was then asked for my social security number and I hung up without providing my SS #. On XX/XX/2022 I received another bill in my name with late charges. I have been receiving telephone calls that I not answered from Comenity Capital Bank who is affiliated with XXXX.