davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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)

I got a phone call from my banker and he notified me that someone tried to obtain credit cards on my behalf, so advised me to check my credit report and if I got anything suspicions on my report, so I found several hard inquires that I never authorized. 
I filed FTC Report immediately and included in this package. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires that I never authorized : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct information within my credit file. My credit issues are very specific, these items do not belong to me. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that these listed items be DELETED!
Consumer complaint received 2024-02-13
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. (CA)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15U.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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2022-10-07
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. (CA)

In late XXXX I was alerted that on XXXX there was a hard inquiry on my credit report from XXXX XXXX BXXXX. I did not apply for any lines of credit so I immediately called the bank and informed them that this was not me. They confirmed that this line of credit was not applied for in error, so therefore it must be fraud. They cancelled the application and line of credit. 

I am now in the process of trying to get this hard inquiry removed from my credit report and XXXX XXXX XXXX  has asked me to file this complaint with the FTC / CFPB.
Consumer complaint received 2022-10-07
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. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-25
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. (IL)

Experian continues to report my name wrong on my credit report. Per the Fair Credit Reporting Act, Experian must report ALL my information 100 % accurately. Failure to do so will result in a violation. Attached is my government identity and should not report any other names on my credit file other than on this ID. Also I have attached a bank statement with identical information. Experian : PLEASE UPDATE YOUR RECORDS TO REFLECT THIS INFORMATION IMMEDIATELY!
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (CA)

This is regarding the case XXXX with XXXX  and the case XXXX with Wells Fargo. We have done some extra research and checked carefully and indeed there was an issue with Wells Fargo, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called Wells Fargo and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX  ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of Wells Fargo, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of XXXX, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with XXXX could have been the effect of the dispute that Wells Fargo put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official XXXX  website after successfully submitting all the required documents.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Sir/Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent informatio
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.
Consumer complaint received 2021-07-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

I was approved for a mortgage forbearance, due to XXXX, from XXXX, XXXX through XXXX, XXXX. I sold the property in XXXX, XXXX. In XXXX, XXXX LoanCare reported to XXXX my mortgage as being 120+ days delinquent. I am in contract to purchase another property and this inaccurate delinquency on my XXXX  credit report is preventing me from obtaining a mortgage commitment. LoanCare 's response has been inadequate. I need this issue resolved immediately or I risk my current contract becoming null and void if I do not obtain a mortgage commitment by XX/XX/XXXX. LoanCare should have never reported my previous mortgage as being delinquent.
Consumer complaint received 2018-08-19
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: MicroBilt / PRBC (formerly CL Verify) (MO)

I have tried to call MICROBILTFinance ResellerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
Consumer complaint received 2018-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

IN REGARDS TO : COMMON WEATLH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX. I HAVE NEVER RECEIVED A 30 DAY NOTICE VAILDATE OR VERIFY IF THE DEBT WAS MINES. I AM A VICTIM OF I IDENITITY THEFT AND THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND YOU ARE REPORTING IT TO ALL 3 CREDIT BUREAUS WHICH YOU MUST REMOVE IMMEDIATLEY. 
I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately.

Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB.

I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE ON THE CFPB SO CAN BE SEEN THAT THIS IS FRAUD AND VERIFCATION CAN NOT BE PROVEN ON YOUR END.
Consumer complaint received 2022-10-07
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. (NC)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX & XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2019-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  to release my medical information to a third party. 
The following accounts that need to be disputed are as follows : 1. CHOICE RECOVERY : ACCT # : XXXX 2.CHOICE RECOVERY : ACCT # : XXXX 3.CHOICE RECOVERY : ACCT # : XXXX 4.CHOICE RECOVERY : ACCT # : XXXX 5.CHOICE RECOVERY : ACCT # : XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-10-07
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (NJ)

i requested for a debt validation letter for XXXX on XX/XX/2022. 
and the company has failed to validate my debt. instead they just sent a list of my medical records, which i know is a direct violation of XXXX regulations. i never signed a XXXX form authorizing them to have access to this information.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

All of the details are in the attached letter sent to the President of Capital One in XXXX. 
I have also uploaded their response which I find woefully inadequate as it does not address any of the issues raised in my letter. My follow up phone call was equally unhelpful. 
The bank does not acknowledge I informed them of this problem before the transaction even formally posted, though of course it was on a recorded line. 
I never authorized the transaction by phone or by app. No proof has ever been offered. 
i have never ever used the debit card. 
i have never done business with the merchant. 
Banks have no problem clawing back funds from customers after the fact when the feel like it. 
There is no reason I should not be credited, with interest, as trivial as it may be, ASAP. 
Thank you