davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX  and XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 


XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2017-05-09
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: Experian Information Solutions Inc. (TX)

I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  XXXX  account on my report as well.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (AR)

I thank you for your help in removing some of the erroneous items on my file which are seems to be inaccurate. Per FCRA segment 605, you are required to disposed the following items that are seems to be an error on my credit report. I think you have enough time to make actions regarding this matter and be resolve immediately and as a result of that I am expected that all the items that such an error on my account will be removed. Kindly delete these following items : 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
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX and advised my information was lost in XXXX, and now someone has been attempting to access lines of credit in my name. I requested verification of these accounts as they are affecting my ability to obtain credit. Furnishing accounts to my credit profile without my written consent or permission is in violation of 15 USC 1681B.

I thoroughly investigated the accounts and credit inquiries and I have not authorized any of these transactions. These accounts have been placed on my account or linked to my name due to identity fraud. Furnishing accounts to my profile due to identity fraud is in violation of 15 USC 1681 c-2 I also requested all addresses linked to these fraudulent accounts be removed from my credit profile to prevent any future activity.
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (DE)

I contacted PayPal on XX/XX/2021 to ask why an incorrect debit amount is being repeatedly debited from my account. The representative could not answer my question on why the amount is incorrect and why they can not stop the incorrect amount from being debited from my account. I also asked on what dates will the transactions be repeated again and the representative couldn't answer that either.
Consumer complaint received 2023-02-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX State employees opened a credit card for me. It was my first credit card ever. I needed XXXX because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX XXXX in XXXX NC. I had severe XXXX  and was terribly XXXX. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am XXXX XXXX XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX XXXX XXXX. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (OK)

They mailed us a letter saying we were delinquent and gave us options to avoid Foreclosure, but we have made every payment, and they concurred we were up to date on our payments, and we asked for a letter stating that we should never have received a delinquent letter due to their mistake. The first person basically told my wife when she first called that we would n't have got that letter if we made our payments and then they told my wife that they do not normally send letters but would see what they could do. I have been trying to speak to an upper level  manager  and so far I have been unsuccessful. I just want to speak with somebody above a front line supervisor who can make decisions and so far they have n't allowed me to. This was a very aggressive letter, especially when you get it on Saturday evening and you have no immediate recourse.
Consumer complaint received 2023-05-29
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. (CA)

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2017-05-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

In   XXXX   XXXX   XXXX   I tried to refinance my home to get a lower interest rate. Every thing was approved until  XXXX  checked and saw that my home was not in my name.     In  XXXX  I fell behind on my payments and had to take out a  XXXX   XXXX   XXXX  with  XXXX  Mortgage. On the same day that loan was approved Everhome, who had my Mortgage at that time, foreclosed on my home and the mortgage was put in the name of  XXXX   XXXX   XXXX   XXXX . I have all the documents to show that since I took out the Home Save Loan I have not been behind on the Nationstar Loan or the main Mortgage.     I also have the documents that were given to my attorney  XXXX   XXXX  at  XXXX   XXXX   XXXX . They have been trying to correct this problem since  XXXX  of  XXXX  with no results. I have the letter that  XXXX   XXXX  sent out to all the mortgage companies that have held my Mortgage since  XXXX  I need help getting this matter settled. I can not refinance or sell this home if I had to.
Consumer complaint received 2022-09-03
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. (NY)

In accordance with the fair credit reporting act XXXX account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602A states I have to privacy 15 U.S.C 1681 section 604A its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

EXPERIAN CREDIT REPORTING AGENCY, IS BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 168la ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

EXPERIAN is also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 168c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

EXPERIAN CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I check my Experian After revising my credit report about late payments. 


On XX/XX/2023, I sent out letters to Experian to remove transactional history from their systems and other third parties.
Consumer complaint received 2022-09-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I had an XXXXXXXX XXXX credit that I paid off on XX/XX/2022. I made a payment of {$190.00} and ask to cancel the card. Two months later, the credit card company sent an email and saying that I owe them a payment of {$43.00}. Not one time did I get a statement in XXXX from them stating that I owe anything.
Consumer complaint received 2022-09-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

AS OF   XXXX   XXXX   I WAS INJURED AND IN THE HOSPITAL, TALK TO CAPITAL ONE AND THEY SAID THANKS FOR THE CALL AND I TOLD THEM, OUT OF WORK FOR A LONG PERIOD OF TIME.. THEY SAID THEY WOULD WORK WITH ME AND I SAID OK..  ON   XXXX   XXXX   XXXX   -- THEY SENT ME A LETTER AND SAID PAID {$88.00} BY   XXXX   XXXX   AND I TOLD THEM THAT WAS NO WAY AT THIS TIME..I DID TELL THEM THAT I COULD PAY A BIGGER PAYMENT LATER IN THE MONTH, THEY SAID GREAT.. SHORTLY AFTER THAT I SENT ALL OF MY PAST DUE AMOUNT TO THEM..DAYS LATER I CHECK TO SEE IF THEY RECEIVED MY MONEY AND THEY SAID YES AND INFORMED ME AT THAT TIME MY ACCOUNT WAS CLOSED AND THEY WERE NO LONGER DOING BUSINESS WITH ME..I HAD THIS ACCOUNT FOR OVER 8 YEARS AND NEVER LATE..I WOULD NOT HAVE SENT MONEY WITH THE THOUGHTS OF THEM CLOSING MY ACCOUNT. THE COMPANY IS CAPITAL ONE AND THE LAST FOUR OF THIS ACCT IS --  XXXX  -- -MY INFO IS   XXXX   XXXX   --   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , FL  XXXX   XXXX  -- -- THANK YOU
Consumer complaint received 2023-05-29
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. (TX)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a 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 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX Transunion is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last complaint that I submitted in this portal said that XXXX was going to delete all of this in XXXX business days and they have not. I want this inaccurate info deleted immediately.
Consumer complaint received 2023-05-29
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. (CA)

My credit report shows an XXXX XXXX card with the account number XXXX as an individual card opened on XX/XX/ with the status last updated in XXXX of XXXX 

This is incorrect. I did not open a personal XXXX XXXX card that month and I certainly do not have that specific card right now. 

I have two XXXX XXXX cards that were opened in XXXX of XXXX that are correctly being reported as individual cards. This individual/personal card opened in XXXX, however, does not exist and I am very confused as to why this XXXX XXXX account marked as an " individual '' account is present.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I went to Union Bank  the XXXX XXXX XXXX XXXX location I was racially profiled by two employees XXXX XXXX Branch Service and Sales Officer I and the other representative refused to give me her information I presented my work check to them and Immediately I was told my check looks suspicious the rep called XXXX XXXX over to assist and he conducted another inspection from there he said it was fine and started to cash my check from and he said he was gon na charge me {$10.00} to cash my check so I asked why I just cashed a check at the riverside branch and I wasnt charge {$10.00} from there he stated those are his requirements to cash a check at his branch from there XXXX XXXX got upset from the questions I was asking and refused to cash my check he handed it back to me along with my license and told me to leave once I got to my car I called the customer service number for Union Bank and filed a complaint from there the representative reassured me the complaint will be address and told me to go to another location and said I will not be a issue at the other location moving forward from there I drove to the XXXX XXXX XXXX and was assisted by XXXX XXXX Assistant Branch Manager and XXXX XXXX Branch Service & Sales Officer and received horrible service I was told my check was already cashed they refused to give the location are any information concerning my check I was told to contact my job and they will speak with them and match the check numbers on the check to see if it was cashed on there end at XXXX XXXX XXXX XXXX the representative spoke with them and still refused to cash my check and said I must contact the fraud department or have my job reissue a new check but the whole day I was racially profiled I contacted union bank customer service again and filed another complaint this time I was yelled at from both representatives at the XXXX XXXX location and told my check was cashed and treated like a criminal once again