davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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. (MI)

In accordance with the fair credit reporting ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Consumer complaint received 2019-10-30
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: Experian Information Solutions Inc. (TN)

Experian stated in writing that the following collection item was verified : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX for the amount of {$1500.00}. 

I was sent a collection letter by XXXX XXXX XXXX dated XX/XX/2019 on the behalf oXXXX XXXX XXXX demanding payment of {$1500.00} ( see attached ). I responded to XXXX XXXX XXXX by requesting validation of the debt ( see attached ) and sent my response to all listed addresses via certified mail ( see attached ) as well via fax ( see attached ). 

As of XX/XX/2019 I have received no response to my request for debt validation. 

Also debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( XXXX XXXX XXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX XXXX   about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXXXXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. 

Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
Consumer complaint received 2019-10-30
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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX  XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2023-01-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-19
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. (MI)

Equifax refuse to properly investigate accounts on my report which is now in my opinion fraud. 
XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX I've ask for and investigation multiple times, Equifax never sent me any notification of dispute nor results.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC (LA)

I contracted with XXXX XXXX XXXX dba as Global Client Solutions LLC for consolidation of debts.The agreement was that I would pay {$270.00} for 36 months. 

The groups debited my account for 19 months past that agreement and when I contacted business they sent me a check for {$820.00} instead of {$4300.00}. 

I have worked with the XXXX XXXX XXXX and tried to settle with them for 6 months through letters and phone calls. The XXXX  report shows they have an F Rating and will not respond to XXXX complaints. 

When I called the CFPB we were told that the FTC has taken action against them and I would like to be included in that action. 

Pertinent documents accompany this complaint.
Consumer complaint received 2020-05-20
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)

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

Last XXXX XXXX, I called the Citi Bank Customer Service to ask about any offer of Balanced Transfer under our Credit Card. The Customer Service that day responded and informed me that there is an offer an offer for Balanced Transfer that is 0 % APR for 12 months with one ( 1 ) time 3 % Balanced Transfer Fee. 

Upon hearing of the offer, I told the Customer Service that I would like to avail the said Balanced Transfer Offer of 0 % APR for 12 months and I told the Customer Service to transfer the amount of {$8000.00} into our XXXX XXXX Checking Account and the fee for the Balanced Transfer will be {$240.00} ( 3 % of {$80000.00} ) The amount of {$8000.00} was then deposited in our Checking Account after several days. But lasts XXXX XXXX, as I was checking our account online at Citi Bank. I noticed a discrepancy in the interests rate and the amount we were CHARGED WITH. The Citibank Charged us at {$140.00} just for 1 Billing Cycle ( 1month ) which was THE RATE BASED ON STANDARD PURCHASED RATE ( as shown in our statement ) for the Balanced Transfer we did the previous month. 

The term of our agreement lasts XX/XX/2020 for the Balanced Transfer was for 0 % APR for Balanced Transfer for 12 months with 1 time fee of 3 %. 

Citi Bank did not follow through the agreement that I and the Customer Service of Citi Bank I spoked to and agreed on the day the transfer was made. Citi Bank instead have charged us with an APR based on a STANDARD PURCHASED and disregarded the 0 % APR for 12 months with 1 time 3 % Balanced Transfer Fee that we agreed on. 

I called the Citi Bank and ask them why they charged me for something which is different from the agreement that I and the Customer Service I spoked to last XXXX XX/XX/2020 agreed on and they said they will investigate and until now I have not received any response from them.
Consumer complaint received 2023-01-30
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX 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 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

About 15 months ago, I got sick and lost my wallet with all of my Credit Cards. I made a call to all of the banks who gave me card, Someone found my wallet with my cards in and begin using them and run my balance up to {$60000.00} with chase Bank and the other chase card was $ XXXX.I have been writing them to get off my credit report, Again I am XXXX years old black man, I have alway paid my bills on and have banking with a chase over 20 years.. I have has my lawyer write a letter form me about this issue, I have written a letter to all of the credit reporting agencies for help, and file a Police Report with the city of XXXX, CA, File with XXXX and Identity Theft Victim Complaint and Affidavit. they still won't take this off of my XXXX Credit Report. I can use help. I have summited all the documents to and the Chase Bank.
Consumer complaint received 2023-03-22
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. (SC)

In accordance with 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. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 information is inaccurate.
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company PORTFOLIO RECOVERY which I hold NO CONTRACT with has continued to call and harass me 5-8 times a day trying to collect a debt I DO NOT OWE! They have put these collections against my SSN in the amouth of {$710.00} & {$480.00} ( THERE ARE TWO ACCOUNTS ) I have asked for verification of these debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT BOTH ACCOUNTS BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I tried to open a bank account with Wells Fargo and then found out that I have several fraudulent accounts opened up under my name and social. I 've reach out to Wells Fargo to gain resolution and keep getting the run around. The accounts are a result of my identity being stolen.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

EXPERIAN ILLEGALLY ATTEMPTED TO EXTRACT MONEY FROM MY OLD CREDIT CARD FOR SERVICES I DID NOT REQUEST. THEY WILL NOT LET ME ACCESS MY CREDIT REPORT AND I AM UNABLE TO CONTACT THEM TO INFORM THEM. 

EXPERIAN PUT AN ILLEGAL VICTIM STATEMENT ON MY REPORT. ( INCLUDED IN UPLOAD ) I DID NOT DO THIS AT NO POINT IN MY TIME. 
THE VICTIM STATEMENT HAS PREVENTED ME FROM OBTAINING CREDIT FROM SEVERAL DIFFERENT VENUES. 
ALL THIS IS ILLEGAL ACTIVITY BY EXPERIAN
Consumer complaint received 2020-09-04
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. (PA)

I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (CA)

I am in the process of refinancing my loan with LoanDepot. In addition to pulling my credit report, they conducted a Fraud Investigative Report through DataVerify. The information in the DataVerify report inaccurately stated that I was foreclosed upon when I owned my condo in XXXX. This information is false and my credit report shows on-time payments and I have the pay-off statement from my bank/lender, XXXX, to prove this. 

I have repeatedly asked XXXX for a copy of my report and I explained that it was my right to receive a copy under the Fair Credit Report Act and that they are required to provide the name of the agency that provided the report. They refused to give me a copy of the report, stating that the report was proprietary information. I was finally able to get the name of the Fraud Investigation company, DataVerify, but XXXX did not provide the address and phone number or a contact that I could reach out to, so I could request the information in my report to be corrected. 

It would be very easy to verify from my former lender, XXXX, that I was never in foreclosure and that I always paid on-time. They can see there was no negative mark from XXXX in my credit report and they can call XXXX to verify the information. 

XXXX has not notified DataVerify that I want to dispute the incorrect foreclosure information. I want the incorrect information removed from my files in their report and I want a copy of the report. Please help.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent a dispute to Portfolio Recovery Associates and they never sent me valid proof per the FDCPA. Also, when I disputed this account, it came back verified with the credit bureaus. But how can it come back verified when the account number on XXXX is XXXX but then XXXX and XXXX XXXX XXXX. Also, how can a collection account have a payment status of 120 days late when there is no payment history per METRO 2 standards.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (UT)

Re : XXXX XXXX XXXX XXXX CBE Group is reporting a debt on my credit file that is not owed. I recently pulled my credit report and noticed that these debts are on my credit. I called the hospital directly and applied for financial hardship with them and took care of these debts through them. CBE however, is still reporting the debt on my credit file for something I no longer owe. This is erroneous and all accounts I had with them need to be removed. The debt has been solved and should no longer be reporting on my credit.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (AZ)

I received a letter in my mail from another individual coming from an apartment listed on a debt attempt letter. They apparently received a mail piece for me that stated I owed a debt on a XXXX XXXX account that I did NOT create, and they wanted to attempt to collect a false and unfair debt. I attempted to resolve this through contacting them about this identity theft activity on my name, but was told they could not clear this SOLD DEBT without any reason that clarifies what debt I apparently owe. I also attempted to contact the XXXX, and they replied saying to fill out a fraud form on their website. So I did file a dispute on their webpage claiming that this was a fraudulent charge, but now they explain that I need three types of residential proof within two months of this account existence. Which I did manage to provide ALLL of their requests for proof, including my ID ( with a different address to prove ), A Notarized Letter representing my current address ( NOT what is on record ), a police report, and I also provided a statement saying that I was homeless during those two months which shouldve started the fraud investigation, but they denied this still. So it wouldve been impossible and unfair to prove what I cant during my XXXX  stage, due to pandemic causes! I thought this was more than enough proof that Ive provided, with never been associated with this address, but unfortunately the company did not want to even start investigating my account unless I get a mail piece that falls specifically within the one month timeframe this account was opened. Since I could not provide their last request of a mail piece to my current address at the time ( after an eviction ), the claim was denied and they refused to accept ALL of my proof without showing reasons why and how this was done under me! I think this is discrimination on me because of my living situation at the time, is when they took advantage of that. In addition to this, my friend went through the same exact thing, and they approved it with the same amount of proof I provided, Im assuming they just liked her case for some reason. All I want to do is clear this debt and remain in fair terms with my credit, but if this is how they exercise their rights, then I personally have no rights to dispute anything without getting a thorough and honest investigation into this matter. I dont know what to do, Im losXXXX and they do not seem to help one bit unless I post a negative review on their business, which then they will only respond with, The customer was informed to dispute this. Please respond with a resolution so I can continue my living, clear this stressful issue, and focus on my pregnancys third trimester.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Consumer complaint received 2021-01-22
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1500.00}, {$480.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.