davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to provide a personal statement regarding the identity theft incident that I have experienced. I recently discovered that my personal information has been misused without my consent, leading to unauthorized activities and potential financial and reputational harm. 

Upon noticing suspicious activities, I took immediate steps to investigate and mitigate the situation. I contacted relevant financial institutions, reported the incident to local law enforcement, and have been working diligently to rectify the unauthorized actions attributed to my name. 

I want to emphasize that I had no involvement in the fraudulent activities associated with my name. I am a victim of identity theft, and I am committed to cooperating with the necessary authorities and institutions to resolve this matter promptly. 

I have reported the incident to the appropriate credit reporting agencies and have placed fraud alerts on my credit reports to prevent further unauthorized access. I am also working closely with my financial institutions to ensure that any unauthorized transactions are properly investigated and resolved. 

I am fully aware of the importance of addressing this matter promptly and thoroughly. I have taken the necessary steps to safeguard my personal information and prevent any further unauthorized use. My goal is to clear my name and restore my financial and personal integrity. 

I appreciate the efforts of the Federal Trade Commission in assisting individuals affected by identity theft. I am hopeful that with your guidance and support, I can navigate through this challenging situation and emerge from it with a restored sense of security.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent account appearing on my credit report. 


XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disclosed on my Consumer Report is a charged off account from XXXX Bank. Under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Altisource Portfolio Solutions, S.à r.l. (CT)

ALTISOURCE SOLUTION I DONT KNOW WHO THIS COMPANY IS AND FRAUD I DONT KNOW WHY THEY ON MY CREDIT REPORT WHEN ITS FROZEN.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I still can't log on to my " my.equifax.com '' account. It's been this way since 2022 and anytime I call them I get the run around of they can't verify my information or they will claim they are trying to fix my account. I have a screeshot attached of what it looks like when I sign on online to check my credit. I have no other problems with any of the two other credit reporting agencies. Just Equifax. I am tired of the run around. PLEASE FIX IT.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted an application for housing to XXXX XXXX property management and was denied XXXX mins later with no explanation of why. If I have missing items XXXX submit those items. I paid an application fee of {$50.00} dollars and should be refunded if XXXX not approved. XXXX property management did the same exact thing when I submitted my application I was denied in XXXX mins after applying with them and paying a XXXX dollar application fee. I havent received a response from either company. XXXX applying for residency in XXXX Ohio.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (TX)

The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the Equifax data breach claim and remove the following accounts and inquiries from my credit report.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

In XXXX and XX/XX/2023, my US Bank checking account had an array of fraudulent transactions occur, which essentially wiped out my checking account. The total amount of fraud was between {$35000.00} and {$40000.00}. There were XXXX ( XXXX ) XXXX XXXX withdrawals, each in the amount of {$3900.00}. Then, there were multiple " in person '' counter withdrawals across a variety of Ohio locations while I was in XXXX and nowhere near Ohio. Due to US Bank freezing, and ultimately locking the account, I can not access the account to provide ALL of the withdrawal dates and amounts, but the ones that I recall are here - {$4500.00}, {$4500.00}, {$8600.00}, and {$9000.00}. Given that these were withdrawn within US Bank storefronts, there should be video surveillance of the thief ( thieves ), as well as their signatures and other likely personally identifiable information. As soon as these fraudulent transactions were brought to my attention, I immediately filed individual claims with US Bank. Subsequent to that, I was told that I MUST return to North Carolina to reopen a new checking account, as well as RESUBMIT ALL fraud claims. With the assistance of the branch XXXX, XXXX XXXX, I opened new checking accounts, as well as refiled all of the fraudulent claims. As of today, XX/XX/2023, XXXX Bank has had NO PROACTIVE communication with me, nor have they processed the claims, nor refunded my funds. I have called, emailed, and called some more, reaching out to the XXXX, XXXX XXXX, as well as US Bank 's toll free numbers, but to no avail. XXXX Bank owes me those funds, as they are federally insured, as well as due to their lack of proper internal controls within the branch locations which allowed for these withdrawals to occur.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (PA)

PENN CREDIT is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is affecting my ability to obtain new credit
Consumer complaint received 2023-02-18
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. (NJ)

These inquiries below are fraudulent and werent made by me for transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries below are fraudulent and werent made by me for XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I applied for a Citi XXXX  card on XX/XX/XXXX then I got approved on XX/XX/XXXX for a {$2000.00} limit. 
The card was out for delivery on XX/XX/XXXX The card never arrived and later I figured out that it was stolen, so I ordered a new card. 
The new card was out for delivery on XX/XX/XXXX and I received it the next day. 
I started making purchases with the new card but suddenly only a couple days later on XX/XX/XXXX it stopped working. 
It seems it stopped working right after I tried adding it to my XXXX  online wallet Afterwards I tried using it for transactions both with the actual card and online and nothing worked. 
Starting XX/XX/XXXX I tried calling up Citi again and again to reopen my account it was very difficult calling them and getting through to the customer service usually around a XXXX minute wait on the phone and many times even after waiting the call didn't go through. 
Finally when I get through to them they said that my phone number is not good enough to verify the account and they need to send me a letter in the mail On XX/XX/XXXX I got the letter in the mail with the verification, I called up Citi but they said that they are still unable to reopen my account
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 — Account status incorrect
Company: EQUIFAX, INC. (OK)

My account with XXXX XXXX XXXX was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. XXXX XXXX XXXX is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at XXXX XXXX and the other credit reporting agencies. The debt collector is Pyod, LLC in the amount of {$650.00}. XXXX XXXX stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector Pyod LLC.
Consumer complaint received 2023-07-18
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. (IL)

Exclusions, in the context of credit cards or similar devices, pertain to the process or state of excluding or being excluded from any authorization or approval for a specific extension of credit, whether directly or indirectly, by the issuer.
Consumer complaint received 2023-02-20
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. (VA)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have been contacting Toyota Financial Services regarding several accounts that I do not owe anything. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for Toyota. And lastly a incident report because Toyota has forced me to contact the police to resolve this matter. I have been dealing with this issues for years and it has affected my life very badly.
Consumer complaint received 2023-02-18
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regards to the unauthorized inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE. i EXPLAIN TO THEM THAT IT WAS IDENTITY THEFT AND THEY REFUSE TO REMOVE THE COLLECION ACCOUNT OFF OF MY CREDIT REPORTS. I ASKED THEM TO PLEASE PROVIDE ME A SIGNATURE TO PROVE THIS IS MY ACCOUNT OR REMOVE IMMEDIATELY. 
ROOMS TO GO ACCOUNT # XXXX TOTALLING {$860.00} SYCHRONY XXXX ACCOUNT # XXXX TOTALLING {$1300.00} i HAVE SENT POLICE REPORT TO ROOMS TO GO. I AM NOW SENDING IT TO XXXX XXXX XXXX. 
PLEASE HELP ME WITH ASSISTING IN THIS MATTER AS I AM TRYING TO REFINANCE MY HOME. 

THANK YIOU XXXX XXXX