davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For Transunion/XXXX XXXX & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX years old.

You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX XXXX XXXX  XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2020-08-25
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. (NV)

I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (CA)

My wife and I had a home equity line of credit ( HELOC ) with BECU. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that BECU never informed any of the three credit reporting agencies that the HELOC was closed.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (AZ)

I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely XXXX, Experian, and XXXX, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I have been a victim of multiple identity theft issues in my recent past. It started by being homeless for the very first time. Then when some criminals on the street found out about how I was without a phone, computer, ect. And vulnerable that's when they started playing games and tricks with me and also being out right XXXX XXXX with me and making threats to me it I didn't do what they asked of me it would get worse. A XXXX XXXX, stole my bank debit card several times, tried stealing my car title and registration, then XXXX XXXX XXXX XXXX  on XXXX XXXX in XXXX all to steal my car that day. XXXX XXXX had once again cut XXXX a deal in order to put me in harms way to get illegal money that was actually mine. Still to this very day, I've had so much XXXX happen to me over these last six years, how could I tend to fixing my credit report when I was merely trying to not XXXX  or XXXX XXXX XXXX outside in the winter snowy cold.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc. (IL)

Sterling Infosystems has mad inaccurate information for my background check. Both times I was involved in a class-action lawsuit due to the erroneous information on my background and credit file. 

The company used someone else background with the same name and birthdate as mine. This person has a record and I was unable to obtain employment by United States Postal Service due to the wrong information.

Sterling Infosystems Used my background from 8 years ago. With a perfect record to tarnish my name and used me to not obtain employment with a top University.
Consumer complaint received 2022-11-17
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. (CA)

Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected at once : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-09
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: NAVY FEDERAL CREDIT UNION (WA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States that 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.

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 any purpose.

15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 

Also prove a monthly statement was provided at least 21 Days prior to the due date of the bill. I received no such bills at my home address and have never agreed to receiving exclusively digital communication as a means of being billed.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/2020 I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/2020 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MO)

This company has removed and put this from my credit report several times and put it right back on. I have somehow two issues with this company. The first one says it was opened on XX/XX/XXXX for XXXX and the other XXXX XX/XX/XXXX for XXXX I have no knowledge or written documents.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I contacted XXXX XXXX Bank about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " Credit Score : XXXX - via XXXX, Equifax, and XXXX. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- XXXX is a XXXX, XXXX is a XXXX, and Equifax is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.
Consumer complaint received 2020-07-23
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. (GA)

Response to Equifax Dispute CREDIT FILE : XX/XX/2020. 
I discovered that I have two different credit reports that were created for me : one for my government name and another credit report for my nickname ( the name I go by and sign my name as ) both using my same social security number. Ive been having issues where sometimes the wrong credit report is being pulled where it says I only have 2 closed accounts and not enough credit to have a FICO score. Equifax should only be pulling the credit report where I currently have a XXXX FICO score with 7 open credit accounts. I recently requested, in separate letters with copies of my driver 's license and social security card, with XXXX and Equifax to have all of my information on one credit report. XXXX was easily able to fulfill this request by combining the information on the reports to only have one credit report, but Equifax is choosing to leave it this way by responding : We are unable to combine your multiple credit files due to amount of data in each. This is ridiculous and unacceptable. I SHOULD NOT HAVE TWO DIFFERENT EQUIFAX CREDIT REPORTS USING THE SAME SOCIAL SECURITY NUMBER! ALL MY INFORMATION SHOULD BE ON ONE CREDIT REPORT!
Consumer complaint received 2023-02-28
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: CAVALRY INVESTMENTS, LLC (CA)

Calvary Portfolio Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted XXXX XXXXXXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " Credit Score : XXXX - via TransUnion, XXXX, and XXXX. '' I called Customer Service and they confirmed that they information that they received was from those three credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- XXXX is a XXXX, TransUnion is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.
Consumer complaint received 2018-10-03
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: ENCORE CAPITAL GROUP INC. (PA)

I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/2021 I made a payment to my insurance company, XXXX XXXX, using Bank of America 's online bill pay option in the amount of {$1100.00}. Evidently, B of A uses XXXX XXXX to process their bill payments. XXXX XXXXXXXX received the {$1100.00} payment on or about XXXX but XXXX XXXXXXXX was unable to match the payment to our insurance account due to a change in their billing system and returned the {$1100.00} payment to the issuer, in this case, XXXX XXXX. XXXX XXXX has not refunded the money back to Bank of America to credit to my account. It is a business account. Bank of America has issued us a case number, back in XXXX of XXXX, but has been unable to resolve this issues and credit our account the {$1100.00} due. I have spent hours on the phone and hours dealing with a person at 2 different B of A branches to resolve this issue and keep getting told there is nothing they can do until XXXX XXXX gives them more information. My relationship is with B of A, not XXXX XXXX and XXXX XXXX will not deal with me to assist with this matter. I asked for a provisional credit to the account but was denied by B of A and told I'd just have to wait until they can do further research. No one is willing to take the time to solve this issue and I am unable to speak with anyone in authority to assist me with the refund/credit. My money is lost in limbo somewhere in the Bank of AmericaXXXX XXXX digital orbit!! I have all the documents available to me that traces this issue from Bank of America, through XXXX XXXX, to XXXX XXXX and XXXX XXXX returning the {$1100.00} to XXXX XXXX where the funds become lost.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (CA)

I have a Nordstrom Stores personal Visa card. I was late in XX/XX/2017 on two occasions due to the birth of a child. My interest rate was raised from the agreed 17 % to the deliquency rate of 31.15 %. I called and spoke to customer service. I was informed I had to make 6 payments on time in order to be considered for the 17 % rate again. I got a voice mail today informing me that I was approved ... .but at the same 31.15 % delinquent rate. I would now have to wait another 6 months before the next review period.

This is a deceptive trade practice. Nordstrom is advising clients to wait 6 months, while they continue to collect 31.15 % interest, even thought the account has not been delinquent for 6 months. 

I contend that there is no review period, or anything else occuring here. They are simply coercing people into believing they will have their rate lowered.
Consumer complaint received 2020-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, As I reported in XX/XX/XXXX, I found discrepancies on my credit report regarding late payments to my capital One account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX XXXX  and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one.