davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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. (MD)

I recently received a copy of my Trans Union, XXXX and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ME XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (TN)

XXXX XXXX # XXXX I reached out to this CRA to request that the below listed hard inquiries be deleted. 
The tracking information above proves they did receive my request and have refused to do so at this time. Here are the inquiries once again that need to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I closed my checking account with US Bank in XX/XX/XXXX. I had exactly {$1500.00} in my account when I closed it. I called US Bank to close the account and they said a cashier 's check in that amount would be sent to my mailing address in a couple weeks. 

A month goes by and I don't receive the check. I called US Bank and they told me to go to a US Bank branch. A representative at the branch was able to make an inquiry and on XX/XX/XXXX, I received a letter in the mail that contained a copy of the cashier 's check that was sent to me. According to US Bank, it was cleared on XX/XX/XXXX. The cashier 's check is correctly made out to my name, has my mailing address and was for the amount of {$1500.00}. On the back, it showed XXXXwo signatures : 1 was forged in my name and the other I don't recognize. 

However, I never received this check and the signature on the back is not mine. Subsequent trips to the branch were not helpful and they said I had to call US Bank. Calls to US Bank 's Fraud Department were also not helpful. They took down my details, but never called me back. I do have a claim number with them if that is helpful.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Coinbase, Inc. (MI)

I received a Coinbase Debit card in the mail on XX/XX/2022 but I don't have a Coinbase account. 

The debit card was sent to my home address and is in my name. 

I am unable to speak/chat with anyone at Coinbase as I don't have the email address or password for the Coinbase account created in my name. They do not have a way to recover an account using the owner 's social security number. 

Coinbase website states it requires identity verification before issuing a debit card but there is no way for me to use that information to gain access to this account created in my name.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank sold an account to XXXX XXXX. I have submitted disputes with synchrony bank and have been told Synchrony is buying back the account from XXXX XXXX. However XXXX XXXX has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at XXXX XXXX  or XXXX XXXX XXXX have access to XXXX funding information they are only tasked to collect the debt of which I do not owe. XXXX XXXX is also reporting multiple inaccuracies to the Credit Reporting agencies.
Consumer complaint received 2018-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MD)

Real Estate illegal Foreclosure ( s ) : There are illegal Deed of Trust conveyance activities between XXXX XXXX, XXXX, XXXX and Selene Finance leading to the foreclosure sale date ( XX/XX/18 ) of my property. XXXX XXXX, my 3rd party user, submitted ( see attachment ) my " Consumer Complaint Form '' to the Office of the Commissioner of Financial Regulation, Consumer Services Unit, on my behalf. My issue is MUCH MORE worse than the XXXX XXXX {$140.00} million fake account settlement this activity must be stopped is in the billions in restitution, fines, penalties, etc. a class-action lawsuit -- PLEASE HELP PLEASE.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-11-29
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. (SC)

On XX/XX/2018 this letter was sent to Equifax signed for on XX/XX/2018 via certified mail. The first statement on this document states THIS IS NOT A DISPUTE it has been two months and Equifax has sent none of the information requested in the document. However Equifax used this document for a unrequested dispute verifying the information requested in this document as accurate. This is evidence that Equifax is not performing investigations as per guidelines of the FCRA. In the documents I requested the information that they ( Equifax ) use and the contacts of the individuals providing the information. Equifax has provided nothing. Please review all the documents sent on this portal and require Equifax to report fairly.
Consumer complaint received 2018-04-10
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)

Equifax has been given a copy of the FTC required documents to properly block the fraudulent accounts reporting on my equifax credit file. For 6 months now they have verified the information with the creditors and refuse to block information that has been reported to police and FTC. I have complied to the fullest and they insist on continuing to damage my reputation by not complying with FTC law.

They are very eager to get me off the phone each time I call.

One lady called me a a Liar just like all other men.

What the heck have I dont wrong to these people to deserve this treatment?
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (OH)

A social security number in California ending in XXXX is associated with me. That is not my Soc Sec Number. I do not currently work for XXXX. I do not have a XXXX XXXX XXXX.
Consumer complaint received 2024-02-28
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. (VA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or anything from original creditor or the debt collection company. The original creditor did have my correct mailing address.
Consumer complaint received 2018-04-18
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: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Leasing Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Leasing Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I called JCPenney card services spoke to a male rep because I received a letter on XX/XX/XXXX stating that they lowered my credit card balance. I asked them why and they stated they did a soft inquiry on my credit report and because of other factors they lowered my amount on my credit card from XXXX to XXXX  which made my utilization rate at 99 %. I told him you are not helping my score you are hurting my score. I also did not know that they could do a soft inquiry without my permission. I informed the rep that I was unhappy about this and I would like my amount usage to go back to XXXX. He stated to me that they would have to do a hard inquiry to do so. I told him that is not right and told him to close it. The rep told me that he had to first read me some disclosures and if I agree then he would close it. He read the disclosures and I hung up. I never called back and neither did the rep call me back. I get a letter on XX/XX/XXXXstating that they have closed my account. I called on XX/XX/XXXX and ended up speaking to XXXX a manager and he told me that it doesn't matter that I never gave the rep on tuesday the verbal authorization to close the account. By me stating before he read the disclosures to me that I wanted to close the account and I just hung up afterwards and did not give him an answer that says to them that I wanted to close. I then asked XXXX the manager about their policy on disclosures and he agreed that all customers have to give a verbal statement of yes or no. So again I asked how could they close my account and he stated that its what I said before the disclosures were read. I told him that I am not happy and I will not pay another penny until they rectify my account because I don't care what was said before disclosures. If you read disclosures and you don't have my verbal or hand written statement my account should not have been closed.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

I am contacting your office because of an increasingly frustrating issue with XXXX XXXX XXXX concerning my mortgage. I have attached my original document to M & T and all the following correspondence. I believe the issues are clearly represented in my correspondence, and because of the inexplicable delays in responding to my simple requests, I can only begin to suspect that there is possible fraudulent action taking place. Please find all documentation concerning this dispute. I will continue to make the last undisputed payment amount as of XX/XX/2018 until this dispute is settled appropriately, however there are only two-three payments remaining and once paid, the likelihood of my collecting any overpaid or misapplied payments will be nil. I respectfully request you and your office immediate investigation and assistance in resolving this situation.
Consumer complaint received 2017-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . 
or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2022-06-13
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. (VA)

This is a response with Experian as the complaint was filed on XX/XX/22. Experian should have already responded. See below. 
The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ].