davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2022-08-09
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. (CA)

Multiple unauthorized credit card accounts were attempted to be opened in my name between XX/XX/2022 thru XX/XX/2022. This resulted in hard inquires on my credit report. I've contacted the ( 3 ) major credit bureaus to dispute the fraudulent activity. In addition I've contacted each creditor to close any unauthorized accounts.

I've been mostly successful in making contact with each creditor and identifying the unauthorized activity, with exception of one account ( XXXX ). XXXX is unable to provide any information. XXXX was unable to produce an account or application, even though there was a hard inquiry on my credit report. 

The hard inquires were made from the following creditors. 
XXXX on XX/XX/202XXXX XXXX XXXX XXXXXXXX on XX/XX/202XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX on XX/XX/2022 There was an unauthorized loan application on XX/XX/2022 ( XXXX XXXX XXXX XXXX  XXXX XXXX I was able to reach the bank and notify them of the fraudulent activity. 

Credit reports from the 3 major credit bureaus are currently frozen and/or locked. 

Transunion is requiring supporting documentation to remove the unauthorized inquires from my credit report. Supporting documents include a " police report '' and/or a letter from each creditor. Do to the number of creditors and the tedious process of contacting each creditor, it puts an undue hardship on the victim to make the corrections.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Every time I reach out to this company my emails become compromised. Which means somewhere there is a conflict of interest. Someone is selling my information and stealing me and my kids funds. On XX/XX/23 my account was positive {$8.00} in savings and {$1.00} in checking deposit of {$1500.00} and XXXX was made on the XXXX then {$220.00} the following Saturday alone with {$6000.00} for tax refund XX/XX/23 then {$670.00} on XX/XX/23 then XXXX on that Tuesday then {$76.00} in the savings someone was accessing my bank account via online banking while I was sleep I reported that twice nothing was done but then my money vanished nobody know what happened to my money I had the rep inside the bank transfer fund from Savings for {$500.00} to the checking account come to find out they sent it to a closed account that had an account take over ending in XXXX then i didnt realize it until going to an atm to withdraw fund that the bank took an additional {$500.00} and that the other {$500.00} never was deposited into the account then I had to show proof and the realized the funds I quote accidentally sent to a close account then she moved it to the checking so my receipt shows but the. The fraud department stated it wasnt that Saturday on tbe XXXX then when I got print outs on the XXXX it showed me negative XXXX which I moved to checking which means this bank tried to Say I spent over XXXX dollars in 2 days never giving me an explanation nothing so then tried to tell me o no there was funds there Im telling them to check the calls that the rep stated all the declined transactions over that weekend where they took money from my account on declined transactions on their behalf they stated they gave the funds back but didnt the. I was charged {$60.00} for transfers I didnt do which is fair if I complained about not using an XXXX to log into my account I do t own an XXXX and then they over look that then proof of logins while Im sleep. This bank took {$700.00} from my account to pay my rent on XX/XX/XXXX posted XX/XX/XXXX but then stated no they didnt my landlord calls me after my bank account is closed out according to Bank of America on the XXXX of XXXX and tell me my check was blocked but the landlord told me on the XXXX their company cashed the check and it when through but on tbe XXXX called and stated rhe check was blocked Bank of America . Sent me 4 letters stated they wouldnt be accepting any. More deposits but still took my employment check XXXX  child support checks and told me my account was closed but not sending my checks back me and my XXXX  are about to be homeless due to the negligence of my funds holding my funds for ransom I dont know who has access to my account fraudulently but its a conflict of interest somewhere my bank statements proof that
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (TX)

According to the company 's data sharing policy, when sharing data with an organization based on the data subject 's consent ' they require the organization to keep a of the consent. And to provide a copy of it upon request. A the consumer may request confirmation of consent from the data furniture.

According to 15 U, S, C 6802- Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information to be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, In a correspondence to this consumer reporting agency, XXXX of XXXX, I requested proof of my consent in regards to the following items on my credit report ; The XXXX XXXX XXXX  Account number XXXX The XXXX  XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX As of today, I have not received any proof that I consented to any of the above accounts to be shared, Nor was I given the option to opt out. which is also my right under 15 U.S.C 6802.

I would like to inform the CFPB that my rights have been violated. And demand the immediate and permanent removal of the above accounts from my credit report,
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

To Whom It May Concern, I dispute your claim and request your validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA.

Send me proof that you are licensed to collect debt in my state.

Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (TX)

My personal info was used without my permission to open fraudulent accounts and unknown residenal addresses. 

Experian XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX Acc # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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. (FL)

Despite being coded as " affected by natural disaster, '' XXXX XXXX continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to XXXX XXXX and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

I have made several attempts to resolve things with Experian Information Solutions but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX and XXXX XXXX. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

I have already filed a complaint but was unable to add to it so I went ahead and filed this report in order to add what I missed. Confirmation number for complaint filed is XXXX. I keep getting letters in the mail with the wrong amount on debt owed. XXXX XXXX XXXX has already contacted National Credit Systems with the request to remove my son 's name from the account and make the corrections to the amount owed. Here 's the correct amount something that I didn't include in the first complaint. Sorry I got the amount wrong. 

Charged : Market rent for XX/XX/XXXX {$1100.00} Credit from XXXX XXXX XXXX Then a month-to-month fee XXXX Total rent due for XXXX {$1200.00} Renters Insurance waiver XXXX Utilities billed in XXXX XXXX usage for XXXX Total due {$1300.00} XX/XX/XXXX received payment of XXXX XX/XX/XXXX late fee charged XXXX XX/XX/XXXX received payment of {$86.00} {$1200.00} Balance due for XXXX XXXX file was sent to attorney on XX/XX/XXXX for non-renewal Market rent for XX/XX/XXXX {$1100.00} Month to Month Fee XXXX Renters Insurance waiver XXXX Utilities billed in XXXX {$120.00} usage for XXXX Total due for XXXX, XXXX {$1300.00} Keys turned in XX/XX/XXXX XXXX prorated rent and month to month fee credit for XXXX Total owed for XXXX {$690.00} Rent, Utilities and insurance waiver {$1900.00} ( open balance ) That was owed for the two months you stay without paying. 

Prorated rent was done from when system moved you out on XX/XX/XXXX so we can credit back the 3 days off your balance. 

{$680.00} credit given for XXXX {$700.00} should have been the credit for ( XX/XX/XXXX XXXX ) {$22.00} additional credit Balance {$1900.00} minus additional credit {$22.00} balance due {$1800.00} Attorney Fees charged since your file was sent to the attorney for evictions since we failed to receive keys. XX/XX/XXXX and the charge is {$240.00}. This is a set charge ; ( These fees were assessed once file is received at attorneys office for not moving out on the non-renewal ) Insufficient Notice fee Penalty charged {$680.00}. You are correct with the nonrenewal this fee should have never been charged, I will back out the charge. 



Standard Charges : Damage and cleaning addendum : Pictures attached all charges for the unit cleaning fee, paint and carpet clean were charged at a minimum. The damages of Vertical blinds, Blind slats were charged at cost. Total {$390.00} Moving out and disposing of furniture left behind {$350.00} Total Charges {$740.00} Total charges for move out {$3500.00} Minus Insufficient notice fee XXXX Minus your deposit - XXXX Total Due {$2100.00}
Consumer complaint received 2022-08-09
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. (FL)

Despite being coded as " affected by natural disaster, '' XXXX XXXX continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to XXXX XXXX and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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.
Consumer complaint received 2022-09-15
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. (SC)

ON XX/XX/2022 I SENT A DISPUTE LETTER TO EQUIFAX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. EQUIFAX AND XXXX RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : 1 : ( EQUIFAX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( XXXX ) ORIGINAL LENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND EQUIFAX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-03-19
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. (NC)

I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.
Consumer complaint received 2023-03-19
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. (NJ)

They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool. 
Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

I have submitted a copy of my social security card, a current address, date of birth and a utility bill to authenticate my identity twice by first class mail and Lexis website. Lexis Nexis has ignored the documents and encouraged me to resubmit through their website. Due to ongoing identity theft issue ls via the internet I rather use the U.S. postal mail and Lexis has not indicated they have not received the requested documents in order to release my consumer file and update my information. My social security number ends in XXXX.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XXXX XXXX Citizens bank offset a business loan debt from my personal account ending in XXXX. Citizens bank took {$3000.00} that was sent to me from a family member to pay my mortgage and applied it to a business loan for an LLC. The business is a Limited Liability Corporation and I did not give Citizens bank permission to use funds from my personal account to pay the debt. I have a business account that is attached to the loan via my XXXX number. My personal funds are protected by the veil of the Limited Liability Corporation. Just because the business owes a debt, the LLC origination protects the companies members. The business is not set up as a Sole Proprietorship so the offset was illegal. I will be filing a complaint with the FTC as well as the attorney generals office. I feel that the bank overstepped their authority and enforced an illegal tactic to steal money from a personal account. I am demanding that the funds are deposited immediately as this has caused a significant hardship on my family. If any fees are accessed during this process, I will be seeking legal action to recoup the fees as well. This is an abuse of power and trust and I will no longer be doing business with Citizens bank and I will be informing all of my network of Citizens Banks greedy practices
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

This was a PayPal synchrony debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence XXXX XXXX need to delete this dispute