davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-07
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: CL Holdings LLC (TX)

I am having a hard time believing that an investigation was done regarding an account that's reporting on my credit report. A company by the name of Jefferson Capital is reporting a collection account to the bureaus. I disputed this months ago because I've never had an account with this company. The original creditor is XXXX XXXX and I have already discussed payment plans. The amount on this account is not the same balance that I have with the original creditor. A remark is on my credit report acknowledging that I disputed this account, but I have yet to receive validation. Please provide the original contract where it includes Jefferson Capital as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Consumer complaint received 2019-08-03
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC  and to my local police department. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.
Consumer complaint received 2022-07-07
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. (LA)

As of XX/XX/XXXX, we as a family have decided to pursue improving our credit and enquired information on how to get approved on purchasing a home. XXXX XXXX contacted us and asked for more information on our credit standing. We were told that 2 XXXX  XXXX bankruptcies from the year XXXX and XXXX were still active and it is hurting both my spouse and I 's credit score. We have confirmed from our previous bankruptcy attorney 's office that it has been resolved and it is in fact closed. In addition to that, we do not know any other information old or new that would otherwise impact our credit standing or credibility to purchase a home. Please kindly help. Thank you in advance.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out one account on EQUIFAX account numbers that I did not recognize, The one account with Unknown account that are not mine and they are on my EQUIFAX credit report, alleged account # : XXXX
Consumer complaint received 2022-07-07
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (GA)

I received a letter approximately a month ago from Consolidated Recovery Group but XXXX XXXX It stated I owed Hard dept XXXX Fees XXXX XXXX dollors Interest of XX/XX/2022 XXXX The debit she says is from XXXX XXXX XXXX I have never used this company she asked me did I think I was a victim of identity theft and offered paper work I could fill out I didnt feel comfortable about that I called XXXX XXXXhey told me they know nothing about this collection agency so I just blew it off Then two weeks latter she reported it to the credit companys I have an XXXX credit score that dropped XXXX points why would someone like me not pay a bill that low SCAm Consolidated Recovery also list an address that is a XXXX  store I will report this with the police and go through all the b/s paperwork to get this straightened out How do I know she is not the fraud She has all my social, tax Id and address I never received any letter at all to give me a chance to refute this This is criminal and I hope they get reported XXXX
Consumer complaint received 2019-08-03
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC  and to my local police department. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts does not belong to me and I'm asking that these fraudulent accounts be blocked from my credit report. Not one single credit reporting agency provided any physical documentation for these accounts before reporting them, opposite of my request for physical documentation. I'm demanding that these accounts be blocked/ removed immediately. 

1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) Missouri XXXX XXXX XXXX  5 ) XXXX XXXX XXXX
Consumer complaint received 2020-11-11
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. (CO)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-07-07
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. (IL)

I have been disputing inquiries that have shown up on my credit file on XXXX Trans Union and XXXX since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( TransUnion, XXXX and XXXX ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.
Consumer complaint received 2022-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello CFPB, On my recent Credit report for XXXX and XXXX I see a hard credit inquiry for the following : Inquiry : XXXX. XXXX, 2022 CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX I did not make any recent inquiries/ applications and believe this to be fraud. 

Note this is in addition to another recent hard inquiry on my account CFPB COMPLAINT ID XXXX submitted on XX/XX/2022 which I was able to receive a letter of deletion. Thank you. 

I am attempting to take steps to prevent this from happening- I've frozen both my XXXX and XXXX XXXX of XX/XX/2022 and will be starting the dispute process once I can get a letter of deletion from the issuer. 

I was unable to reach anyone of help at Capital One by phone. I will be submitting a letter with this Complaint ID to Capital One to the following address provided on their website : Report Suspected Credit Card Fraud Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Please let me know if you need any other information from me Thanks, XXXX
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened a Citi checking account XX/XX/2022 and deposited {$13000.00} on XX/XX/XXXX through XX/XX/2022. On XX/XX/2022 Citi blocked access to my account and they are not letting me withdraw any money, nor make any more deposits. Citi told me my account would be closed in XXXX days and funds would then be mailed to me, but this is unacceptable. In the account agreement documents that were given to me when I opened the account, under Funds Availability, the longest hold time mentioned for deposits is XXXX business days, and it has now been XXXX business days. 

Additionally, the account was opened under a bonus offer that said I would receive {$400.00} after deposting {$15000.00} ( or {$200.00} if depositing {$5000.00} to {$14000.00} ) within XXXX days and maintaining the balance for 60 days after that. Citi 's actions have made it impossible to meet those requirements.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BUSEY BANK (NC)

On XX/XX/XXXX, I discovered that Busey Bank was reporting a charged off account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that Busey Bank breached there contract and violated there terms by reporting my non public personal information to third parties, namely XXXX, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. Additionally, Busey Bank was required to provide me with a purchase money loan pursuant to the Truth and Lending Act, 15 USC 1601 and regulation z which they failed to do. And Busey Bank is also still currently reporting transaction history which is illegal. Also, being that this account is charged off it is considered a certificate of indebtedness which constitutes income and is not to be reported on my consumer report.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (TN)

I have notice an account on my consumer profile upon return from XXXX XXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of 1,000 according to the F.and can be filed in the U.S. District Court This company must be removed from my consumer profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-03
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report 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, and XXXX XXXX. I am doing all of this on my own.
Consumer complaint received 2019-06-17
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. (RI)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (PA)

YOU VIOLATED THE LAW!!! 

As a reporting agency that assume the role of assembling and reporting information on me, the FCRA requires that it is done so in a manner that is fair and equitable to me. I did not grant any permissible purpose to obtain any information of me and report it. A consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; You are reporting information on my consumer report that is to be excluded from a consumer report as well as reporting information about me without permissible purpose and reporting information that is not fair and equitable to the consumer ( me ). Furthermore, YOU ARE REPORTING INFORMATION THAT IS INACCURATE WITH THE CORRESPONDENCE I RECEIVED FROM XXXX XXXX. YOU ARE REPORTING AN AMOUNT THAT IS NOT EXACTLY THE SAME AS THE AMOUNT THAT XXXX XXXX XXXX STATED. BY LAW YOU SHALL REPORT INFORMATION OF MAXIMUM ACCURACY! 

Attached with this complaint the is the correspondence I received from XXXX XXXX XXXX and return receipt ( s ) as confirmation that you received my correspondence.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company XXXX by law according to 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

This company has reported numerous negative payments on my TransUnion, XXXX and XXXX credit report and I ( XXXX XXXX ) would like for those payments to be updated to PAANL status due to my current up to date payments.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patenaude & Felix A Professional Corporation (CA)

They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.