davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
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. (MO)

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately.

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXXXXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Consumer complaint received 2021-08-01
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. (MO)

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXXXXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Consumer complaint received 2019-12-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX ) Wells Fargo takes overdraft fees from my account for transferring money from XXXX account to the next when I was told that overdraft fees of XXXX dollars would not be added to my account which has cause my account to go into overdrawn with status on a numerous occasions XXXX occasion is when my card was charged for XXXX XXXX car the amount that was charged to my card was in between XXXX and {$400.00}, when I called and put a stop payment on the transaction and went through the process of disputing this transaction the money will still taken and paid. 
XXXX ) I was clearly told that the accounts that I have with Wells Fargo would not be charged a fee every month because of the type of accounts that I have, which are that I have to have a certain amount of direct deposits to my accounts in order for the accounts to be free, I have been constantly charged account fees and the amount of {$12.00} every month to accounts that are not supposed to be charged because I have direct deposits that go onto these accounts.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2019 Transunion Credit bureau recorded a hard inquiry on my credit. Neither of the two other credit recording agencies did this. It was through the company XXXX XXXX. I contacted XXXX XXXX and they assured me that they did not do a hard inquiry. I attempted to resolve the situation through XXXX XXXX & then by filing the fraud paperwork through the FTC. Transunion responded saying the Hard Inquiry was not illegitimate. I did NOT give any company permission to do a hard inquiry on my credit. I did call XXXX XXXX   about new service a potential property purchase, but only asked questions and never opened an account. A month later my wife had the same experience with Transunion when she applied for a XXXX XXXX  credit card. I was there and she was very specific not to do a hard inquiry. The associate assured her there was not, & a few days later a hard inquiry appeared on her transunion credit report also, but none of the other credit reporting agencies reports.
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NV)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : DEBT RECOVERY SOLUTIONS To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrect trade line for an account from DEBT RECOVERY SOLUTIONS for SHADOW EMERGENCY PHYSICIAN in the amount of {$1700.00}. The account status show past due, which is incorrect and inaccurate. It should not say past due as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by DEBT RECOVERY SOLUTIONS is a VIOLATION of the HIPAA Act of 1996. DEBT RECOVERY SOLUTIONS did NOT provide me a HIPPA release that releases my medical information to them, therefore by SHADOW EMERGENCY PHYSICIAN providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against DEBT RECOVERY SOLUTIONS as well as SHADOW EMERGENCY PHYSICIAN should this item not be deleted within 10 business days and until the debt has been validated and verified. DEBT RECOVERY SOLUTIONS is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against RDEBT RECOVERY SOLUTIONS, SHADOW EMERGENCY PHYSICIAN, and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from DEBT RECOVERY SOLUTIONS expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I have been looking over my credit report and there were a number of addresses that I would like to remove from my report. 

I request removal due to inaccuracy, to prevent Identity theft, as I am not reachable at the addresses or the phone numbers.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from PORTFOLIO RC for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Consumer complaint received 2019-02-08
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)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
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. (MO)

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX  ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. SW CRDT SYS Corp, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc. 

1. The reason is it has to be removed from TXXXX XXXX and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, XXXX and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a concerning issue that has persisted despite multiple attempts to rectify it. Despite my repeated efforts to remove these items, they continue to surface, causing significant frustration and inconvenience. 

It is imperative that immediate action is taken to rectify this situation and prevent its reoccurrence in the future. 

I urge you to conduct a thorough investigation into the root causes of this problem and implement robust measures to address it effectively. Additionally, transparent communication regarding the steps being taken to mitigate this issue and prevent its recurrence is essential to restore trust and confidence in your platform/service. 

Furthermore, I request compensation for the time, effort, and inconvenience incurred due to the multiple attempts to remove these fraudulent items. It is essential that appropriate restitution is provided to alleviate the impact of this ongoing issue on users. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AL)

I have a mortgage loan that was purchased by Suntrust bank. ( XX/XX/2019 ) I have made all payments on time. However, in XXXX of 2019, they failed to apply my full payment properly and immediately submitted it as late to the credit bureau resulting in a lowering of my credit score as well as several other credit companies lowering my credit limits. They have damaged my credit scores and creditworthiness. I contacted Suntrust on numerous occasions to resolve this, and they admit they were in error but did nothing about it. I have full documentation of such. I then hired an outside firm to contact them and try to resolve the issue. Suntrust also admitted they were in error to this third party yet they have done nothing to resolve the issue. I have a letter from this third-party company showing the admission of the error on the part of Suntrust, and yet they were unable to get any resolution either. 

Every time you try to call Suntrust you speak to a different person or department and they give you the runaround and none one takes responsibility to resolve the issue even though they admit the error. This has been the case for more than 6 months now. 

If you are dealing with Suntrust bank, my advice is to be very cautious because they are unethical and unwilling to resolve issues even if they admit those are the fault of the bank. It seems to me this ought to be illegal. I have no resort except to report them in this complaint, hoping that someone will do something about this issue and give help where it is needed.
Consumer complaint received 2019-12-16
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2021-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

2021 Identity Theft XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX posted to the Credit Bureau XXXX XXXX XXXX that I was in arrears on paying my XXXX XXXX XXXX XXXX XXXX bill in the amount of {$1100.00}. I do not have, nor never had an XXXX XXXX XXXX cell phone. 

XX/XX/2021 XXXX XXXX XXXX XXXX service provided by XXXX XXXX sent me an account XXXX that a Derogatory Item was posted to my credit report. 

XX/XX/2021 Contacted : ( XXXX ) XXXX XXXX XXXX to get the following information regarding the Alert : - Collection Agency : Credence Resource Management - Payment Due : {$1100.00} - Original Vendor : XXXX XXXX XXXX XXXX ( XXXX ) Spoke with Credence Resource Management and was provided the following additional information regarding the account in collection : - Account Opened : XX/XX/2021 - Account # : XXXX - Cell Phone # : ( XXXX ) XXXX - Home Address on File : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX ) Spoke with XXXX XXXX XXXX XXXX XXXX : Upon request from XXXX XXXX XXXX completed their online fraud investigation form ( XXXX ) XXXX XXXX XXXX Police in order to get a Police report generated
Consumer complaint received 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Many companies requested my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Consumer complaint received 2021-08-01
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. (GA)

I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this issue 3 times with XXXX  and Transunion. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason XXXX  and Transunion websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to Transunion and XXXX  several times and they either disregard my documentation or their website will not accept the documents. The XXXX and 3 XXXX accounts are being reported incorrectly on my credit report. XXXX  and Transunion are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over 7 years old and need to be removed from my credit. Please help me!