davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft. XXXX XXXX XXXX with the balance of {$270.00} opened on XX/XX/year>.
Consumer complaint received 2024-10-15
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. (CA)

I am filing this complaint to EQUIFAX for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-10-15
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. (PA)

My name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le 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 XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi my name is XXXX XXXX and I got a notification that my credit score went down because CAPITAL ONE BANK USA ON XX/XX/2023 checked my credit and I DID NOT APPLIED FOR ANY OF THEM CREDIT CARD AT ALL, I am seeking for some help to dispute this hard inquiry because it wasn't me, someone its trying to use my information instead, can you guys please help me with this? It shows on my credit report from XXXX and XXXX and I don't really use my credit that often. 

PLEASE I REALLY NEED TO REMOVED THIS HARD INQUIRY FROM MY CREDIT REPORT BECAUSE I NEED TO USE MY CREDIT VERY SOON AND I CAN NOT HAVE THIS HARD INQUIRY ON IT ESPECIALLY SINCE I DID NOT APPLIED FOR IT IT'S VERY FRUSTRATING THAT SOMEONE JUST WITH MY ADDRESS CAN APPLY FOR ME BECAUSE I AM SURE THAT WHOEVER APPLIED FOR ME DID NOT USE MY SSN BECAUSE I DONT SHARE MY INFORMATION WITH ANYONE PLEASE I REALLY NEED HELP. ALL THE BEST XXXX XXXX
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

To Whom this may concern : Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here below with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Collection- # XXXXif not valid or verified properly, delete immediately. 
XXXX- XXXX-Unverified Account- delete immediately. 
XXXX XXXX XXXX XXXXif not valid or verified properly, delete immediately. 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1981
Consumer complaint received 2020-04-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

I have a CD with CIT Bank ( account number XXXX  ). 
The CD was due to mature in XX/XX/2019, at which point I decided to renew for another 18 months ). 
However, I checked my statements since then, and I have not been paid ANY interest since then. 
I need my interest from XX/XX/2019 added to my account.
Consumer complaint received 2020-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

This report shall sever as the formal and last notice of my intention to file suit against Midland your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of  them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.
Consumer complaint received 2020-03-22
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. (GA)

I've submitted dispute letters to XXXX, Transunion, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a notice from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding Capital One credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX  and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX where I only lived for 3 months. They knew I moved to XXXX  and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to Capital One as well because this is very deceptive and crooked. XXXX XXXX XXXX is a third party hired by Capital One who behaves in a deceiptive manner to try to collect debts.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( XXXX ) and XXXXdams v. National Engineering Service Corp. ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXXXXXX XXXX XXXXXXXX XXXX options Account # : XXXX  Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : CollectionOrChargeOff Account Rating : CollectionOrChargeOff Creditor Type : Finance Account Status : Closed XXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXXXXXX XXXX XXXX  XXXX XXXX custom Message Type : XXXX Status : XXXX Reference # : XXXX Asset Amount : Date Filed/Reported : XXXX Closing Date : Liability : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Add a custom Message Type : XXXX Status : Discharged Reference # : XXXX XXXX XXXX : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX XXXX options Account # XXXX XXXX Address : undefined undefined, undefined undefined Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Finance Account Status : Closed XXXXXXXX XXXX Open options Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Add a custom Message Last Reported on : XXXX Date of Last Activity : XXXX XXXX Experian XXXX Payment Status : BankruptcyOrWageEarnerPlan Account Rating : BankruptcyOrWageEarnerPlan Creditor Type : Banking Account Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Ive sent several disputes to this company via this portal now Im confused as to why they can keep reporting information that the FCRA does not warrant per Section 603 15 USC 1681a which i will provide a copy of highlighted where they are clearly violating.
Consumer complaint received 2020-03-22
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: Receivables Management Partners, LLC (IL)

RMP Services is a collection agency for medical bills. I have been trying to resolve this by calling them multiple times but their telephone lines never work. It is against the law for medical bills to impact your credit score and be reported as delinquent. I have insurance and had insurance at that time and they have not allowed me to go through my insurance instead of paying the full amount which I should not because that is the whole point of insurance.
Consumer complaint received 2024-01-02
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. (MD)

XX/XX/XXXX I sent XXXX, XXXX, and TransUnion letters highlighting accounts on my report marked as Charge Off. I Informed the company in writing that an Charge- off is an Certificate of indebtedness and a Certificate of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of 1974. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my report.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

My first missed payment was XXXX XXXX 2019 for rent of {$1600.00} I had lost my job and just started another one. The apt was rented out end of XXXX beginning of XXXX. The credit agency is charging me {$24000.00}. There is no way I owe that much and the apt was rented out soon after so there are trying to illegally double charge rent.
Consumer complaint received 2020-03-23
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. (FL)

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )
Consumer complaint received 2020-03-23
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. (FL)

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW  Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW  Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )
Consumer complaint received 2022-12-28
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. (AL)

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. 
Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX : # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX 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 15 U.S.C 1681 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 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 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust seems to PURPOSELY not answering their mortgage line for customers seeking help/payment arrangements due to COVID-19.

I have called 4 days to wait on the line for over 4+ HOURS!!! For no one to answer or respond. And TWICE the line just disconnected on it's own. This seems undoubtedly intentional. I have several screenshots to show the ridiculous hold times. NO ONE should have to wait this long for ANY service, much less, to NEVER get an answer.

Please look into them allowing this on purpose to prevent costumers from getting relief services. Thank You
Consumer complaint received 2022-12-28
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: DISCOVER BANK (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this items to be INSPECTED and BLOCKED. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX  XXXXDate Opened : XX/XX/2010 Balance : {$0.00}.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a promotional check for {$5000.00} from my Bank of America credit card into my XXXX XXXX checking account on the final valid date of XX/XX/XXXX. See attached check and bank information from XXXX XXXX proving that the check was deposited and posted into my account on XX/XX/XXXX. 

I recently discovered from looking at my statements that Bank of America recorded the check being deposited as XX/XX/XXXX. Ever since then I have been getting charged 19.49 % which is their check cash advance rate. 

I called Bank of America 's Promotions Department ( XXXX ) XXXX to inform them of the situation and they said there is nothing they can do and I will continue getting charged the 19.49 % rate until the {$5000.00} is paid off.
Consumer complaint received 2022-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX