davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, CREDIT COLLECTION SERVIC # XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (NY)

I sent in 2 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called many times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX and Equifax that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 months now.
Consumer complaint received 2021-06-14
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. (NY)

I sent in 2 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called many times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX  and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 months now.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (IL)

I received suspicious bank statements from XXXX XXXX, XXXX, and TD Bank regarding an account. I do not recall opening accounts with any of these institutions. 

Some of these were sent to my old house address, which I have personally not lived in or requested mail to be sent there, in over 10 years. 


I do remember once in early 2021, I was applying for government loan repayment for working in an approved health center location, and I would receive suspicious calls requesting information in order to 'complete my application ''.
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (CO)

I sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to Experian and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.
Consumer complaint received 2022-03-21
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. (NC)

There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

Company attempted to send a billing statement in the mail to validate debt. Company is using stall tactics because it cant provide a signed legal document with my name. Company continues to provide inaccurate information to credit bureaus. Reporting non validated information to the credit bureaus is also defamation of character.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

For some reason Capital One flagged me for fraud. They asked me for my social security card and my Drivers license picture. Which I submitted ... and I had to ask for a replacement card from social security. Then they decided that I did not need the picture of social security ..just the number, which I submitted. I scanned the front and back of my ID card and sent them via e-mail. I called back because they did not send my money. They said there was a problem with the back of my ID card. So I sent the picture again. I tried three times. Each time it would not work for them. So we tried other ways. They sent me a link to my phone. ( which did not work ) to take a picture of my ID card. I tried to take a regular picture and send it via email. The claimed it did not work. So I sent them a hard copy three weeks ago and they said they did not receive it. The amount is for {$920.00}. I have paid off everything I ordered from XXXX XXXX so I do not know why I would be flagged in the first place. Things are very tight here and because of this I have had a negative balance on my bank account so I would like to solve this ASAP. My best outcome would be to close the account and receive the amount they owe me.
Consumer complaint received 2021-06-14
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. (CO)

I sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (NC)

SUBMITTED FRAUD CLAIM ON A STOLEN CHECK THAT WAS CASHED AT TRUIST BRANCH VIA " XXXX CASHED ''. 
NO VALIDATION WAS DONE ON CHECK AND PERSON IT SEEMS HAD NO ACCOUNT TO BE ALLOWED TO CASH CHECK ON SPOT. 

CHECK STOLEN, FORGERY OF CHECK, BANK DENIED MY CLAIM STATING " CONSUMER SHOULD HAVE HAD CHECKS LOCKED IN A SAFE OR OTHERWISE SECURE AREA '' CHECK WAS INSIDE MY KITCHEN DRAW NOT VISABLE, INSIDE MY SECURE HOUSEHOLD, LOCKED DOORS, XXXX THEIF WAITED TILL I HAD TO LEAVE AREA TO STEAL CHECK FROM SECURED AREA IN DRAW OF KITCHEN XXXX TRUIST IS NOT ACCECTING MY CLAIMS DUE TO THERE OWN FAULT ... COVERUP OF BROKEN/NEGILIANCE PROCESS AT THEIR BRANCH BANK SHOULD NOT IMPACT COMSUMER, AS THEY ARE DENIED CLAIMS REALLY DUE TO BRANCHES MISTAKE
Consumer complaint received 2023-09-07
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-21
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)

Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, According to 15 U.S. Code 1666b- Timing of the payments, these late payments are not valid and also are inaccurate due to how they are reporting the late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is not accurate and is a violation of my consumer rights. 


15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : XXXX ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2022-12-03
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, h

as violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

Personal check written to landlord was stolen out of the XXXX and fraudulently endorsed and cashed on XX/XX/2022. PNC opened case on XX/XX/2022. PNC never sent documents to be filled out nor would return any phone calls. Case was closed XX/XX/2022. Case was reopened after extensive phone calls mid XX/XX/2022. XXXX Police Reports and XXXX Affidavits previously completed were sent to PNC. XX/XX/2022, PNC determined that Fraud did occur but refuses to reimburse for the fraud in the amount of the check, {$2000.00}.
Consumer complaint received 2022-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

my first certified letter along XXXX. and birth certificate/ police report and dipute letter was mailed off on XX/XX/2022 to equifax . Equifax claimed that they never received the certified mail but i received the green card back in the mail with a signature. 

XX/XX/2022 i faxed a copy of all documents again and also i received a receipt of the transaction going thru. i called and equifax said that they didnt receive my birth certificate. 

XX/XX/2022 i faxed another set of copies of all documents again and received another receipt of the transaction going thru. i called equifax again and got the same results. equifax has been costing me time and money by not handling my mail right. i would like to get this matter resolved instead of having to run around and come to find out that they misplacing or throwing my paper work away.
Consumer complaint received 2019-06-19
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: Finance System of Richmond, Inc. (TX)

The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. 
Also XXXX has allowed 2 accounts from FINANCE SYSTEM to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXXI numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
Consumer complaint received 2022-10-08
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)

On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to Experian, XXXX and XXXX I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending Experian, XXXX and XXXX dispute letters outlining what was incorrect on my file. 

XXXX sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from XXXX on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

Experian, XXXX and XXXX are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''.

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!
Consumer complaint received 2024-03-08
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. (MI)

This is my 4TH endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$1100.00}
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (AZ)

I have been submitting multiple letters with complete attachments of my personal information. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries and inaccurate addresses listed below : 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