davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have sent this company 2 letters asking for help to resolve this issue with them. They have ignored my request to communicate with them about this is. I have provided copy of police report and letters asking them to provide me with information that bare by signature showing that I have authorize them to pull my credit report for any purpose. The repeated non communication from the blow company about this serious issue shows that they are in violation of my rights : as per the Fair Credit Reporting Act section 611. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).
I have also taken the necessary steps to put fraud alerts on my credit profile as a safe guard to help prevent this from happening in the future.
Capital One Bank USA Na XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize your company to make this inquiry : Date from XX/XX/XXXX and XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (AZ)

ATTN : XXXX XXXX XXXX  RE : XXXX On XXXX/XXXX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX, the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XXXX/XXXX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt.

I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency.

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief.

According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Consumer complaint received 2022-05-30
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: Denefits LLC (AZ)

ATTN : XXXX XXXX DEPARTMENT RE : XXXX On XX/XX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XX/XX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. 
According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Consumer complaint received 2017-07-26
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. (FL)

I disputed a line item on my Equifax report. There is a charge of {$37.00} from XXXX XXXX XXXX. I always paid my dental bills at time of service and insurance also paid the bills. This is a fraudulent claim. If necessary I will file an action in state court for slander of credit. This claim was reported on XXXX/XXXX/2016.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (KY)

BB & T charged me 5 overdraft fees in the last week, one on a {$10.00} item. I understand some of them, but there has to be common sense you can not charge 3 times the withdraw in fees. They even charged me when my direct deposit was showing in the account status.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2022-01-24
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. (CA)

Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (FL)

Declined XXXX, previously paid to merchant for several transactions, now determined as a Potential RISK of XXXX. I contacted XXXX XXXX to confirm the payment was legitimate. The payment was still declined and not honord.
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2017-07-26
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. (CA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2023-06-02
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)

The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-03-11
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. (TX)

I checked TransUnions website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX The information from TransUnion says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX. I disputed with TransUnion but they denied my claim.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (IN)

In accordance with the Fair Credit Reporting this creditor has violated my rights under XXXX5us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Consumer complaint received 2017-07-26
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. (CO)

On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
Consumer complaint received 2019-11-25
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: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX and I am a American citizen having resided there since XXXX. In XX/XX/XXXX while visiting family in the US my purse was stolen from XXXX XXXX Airport along with all my personal information & subsequently my identity was stolen and accounts were set up in my name, including a Wells Fargo Dealership account. I reported the theft to all relevant authorities including the US Embassy in XXXX XXXX & all three credit agencies. In XXXX I applied to cosign for a house for my mother & found out my identity was stolen and all information, identification and other personal information was used to set up accounts & obtain goods in my name, I reported & provided all relevant documentation to all parties/retail outlets including Wells Fargo Dealership & the fraudulent account remains on my credit file. I contacted them, sent proof of my XXXX addresses for the past 11 years, along with utility bills, copies of my passport and other proofs to the Wells Fargo President 's office as requested and for close to 2 years I still have no resolve. Subsequently I had to hire a attorney as I could no longer deal with the matter and again they to contacted Wells Fargo Presidents office only to be stonewalled with unreasonable request ; i.e. between XXXX and XXXX I was asked to provided a letter of authorization & do so on 2 separate occasions and then was asked to provide a 3rd which Wells Fargo Dealership insisted had to be notarized by a United States notary not a XXXX notary which would have meant me traveling to the US to do. In mid XXXX Wells Fargo stopped communicating with my attorney and the process has stopped completely. I traveled to the US in XXXX of this year especially to resolve this issue and phoned the number on my XXXX  credit report for Wells Fargo & was told Wells Fargo Presidents office was not the correct department to report or deal with my matter and was told I had to re-submit all the documentation I sent them in XXXX, my attorney sent in XXXX again. Wells Fargo now claims there was a trade in & the car was purchased and registered in my name all during the time I was in the XXXX. I have provided all the documentation, hired a attorney, proven my whereabouts & proof of address since XXXX, put a fraud alert on all three of my credit files along with a freeze & lock. I believe Wells Fargo Dealership has stalled and refused to take my claim seriously, subsequently refusing to remove the fraudulent account off my credit file which is causing me a tremendous amount of stress and agony, not to mention I can not buy a house or obtain a loan. 
Kind regards, XXXX XXXX
Consumer complaint received 2022-05-30
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. (FL)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXXXXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

After viewing my credit report I have notice this third party agency is listed on my credit report. I have not signed a contract with this agency nor have I given them any permissible written instructions to furnish an account for me, this account is in fact fraudulent.