davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (WA)

I received notice from the XXXX XXXX XXXX in Washington XXXX of an unpaid parking ticket that dated back several years. I never knew I'd been issued the ticket, but promptly paid the total due of {$70.00} upon receiving notice of this debt. This payment was made on XX/XX/XXXX and I can provide confirmation of payment from the court which includes the original invoice number. 

This week -- week of XX/XX/XXXX -- I received a letter dated XX/XX/XXXX from a Texas entity, " XXXX XXXX XXXX XXXX XXXX '' attempting to collect on this debt. As I mentioned, the debt was paid more than a year ago, and the invoice is closed. XXXX XXXX XXXX had confirmed receipt of this payment ( XX/XX/XXXX ).
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (MD)

The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter and they call me a lier I would like these hard Inquiries removed from my credit I sent letters and No one did any investigation XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2021-11-18
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (MO)

THIS IS NOT MY ACCOUNT THIS COMPANY HAS PLACE THIS FRUAD ACCOUNT ON MY CREDIT FILE AFTER I ADVISE THEM THAT THIS WAS NOT MY ACCOUNT AND MUST HAVE BEEN OPEN WITHOUT MY KNOWLEGE
Consumer complaint received 2022-10-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4200.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-05
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: HW Holding, Inc (GA)

To whom ever this may concern : In XXXX, 2018 I disputed incorrect information being reported on my credit report by Hunter Warfield. I provided letters to XXXX, XXXX   and XXXX, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, Hunter Warfield was recently deleted from these reporting agencies. I have made several attempts with XXXX months prior too as well. XXXX  has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.
Consumer complaint received 2021-11-18
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: TD BANK US HOLDING COMPANY (TX)

I received notification on my credit report XX/XX/2021 that I had a late payment to TD Bank/Target of {$290.00}. 
When I checked my amount there was a zero balance. 
I called TD bank and spoke with an employee who told me she could take the late charge off but I would need to dispute the derogatory late report on my credit. 
I did an online dii I dispute, but was denied.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.
Consumer complaint received 2022-12-16
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. (DE)

I XXXX XXXX never gave Equifax, written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

None of these companies have lawful authority to put any account on my consumer report. All accounts list below must be deleted!

I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent account.

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! 
Each one of these accounts need to be deleted immediately, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Once again all accounts above shall be blocked and deleted from my credit file immediately! 
This will be forwarded to the consumer Financial protection Bureau, I will also notify my attorney generals office as well
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jonathan Neil & Associates, Inc (TX)

Johnathon Neil Associates conducted an unauthorized hard inquiry on my XXXX Credit Report. The pull was does XX/XX/2021. 

I have no business with this company and have no knowledge of any debt owed to this company.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AZ)

On XX/XX/year> I called Chime to file a dispute on a series of unauthorized XXXX transactions. Prior to this I had been working with XXXX trying to get my funds back and they notified me they closed the account due to multiple fraudulent activities. On XX/XX/year> after filing the dispute Chime issued me a provisional credit at XXXX and I noticed the amount was incorrect so I reviewed the transactions, I then seen the agent who filed the dispute had forgotten multiple transactions, I immediately called customer service again explained the issue and was informed I had to file another dispute for those transactions left off. I then filed the dispute for the remaining transactions, Within 15 minutes of filing the 2nd dispute it was denied. I immediately called back to inquire how and why this could happen so fast. as clearly the investigator couldn't of contacted the merchant or anyone involved as well as I was just given provisional credit on the other transactions that were unauthorized. I questioned why it was denied and was informed they would email me within 10 days. I again explained the situation and was told a rebuttal was filed. Within minutes again the rebuttal was denied. From XX/XX/XXXX to XX/XX/XXXX there was 22 unauthorized XXXX  transactions totaling {$1800.00}.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (NE)

Hyundai Motor Finance stopped the automated bank draft on its own and without notice right before the final lease payment was due. It then tacked on additional penalties and interest as " late fees '' and inflated the cost to purchase the vehicle at lease end. During the purchase and since, the company refused to itemize or justify its inflated purchase price and has since been non-responsive to written and verbal requests for an itemization and refund.
Consumer complaint received 2021-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them XXXX oaks XXXX XXXX XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. Bank of America XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus
Consumer complaint received 2021-08-24
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (TX)

XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get XXXX to remove this wrong information. See file number above. XXXX, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. XXXX and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. XXXX tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I REQUEST THAT YOU INVESTIGATE THIS MATTER IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). I FURTHER REQUEST THAT YOU REMOVE THE INACCURATE COLLECTION LISTING FROM MY CREDIT REPORT WITHIN XXXX  DAYS OF. THIS LETTER. PLEASE INFORM ME IN WRITING OF THE RESULTS OF YOUR INVESTIGATION AGAIN, I WILL NOT ACCEPT A GENERIC RESPONSE STATING THE ACCOUNT HAS BEEN VERIFIED. I REQUIRE CONCRETE PROOF THAT THIS ACCOUNT BELONGS TO ME BEFORE IT REMAINS ON MY CREDIT REPORT.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (AR)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I received a letter in the Mail from Wells Fargo. It was a checking account statement. It had a XXXX balance. I never opened this account. I called Them and filed a fraudulent claim. They said they would close the account and they have not. I have received a second statement. Now XXXX showing from the XXXX email that I am going to receive another letter which is from a mediation XXXX XXXX Wells Fargo. They have not closed this account. I should not be receiving any mail. XXXX getting frustrated. Please help. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toTransunion, XXXX and XXXX they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 180 days and 3 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : 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 2021-08-24
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: U.S. BANCORP (TX)

fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons US BANK XXXX XXXX XXXX XXXX Reported : XX/XX/2021 + {$1100.00} In good standing
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that XXXX conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect XXXX, Equifax, XXXX to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.