davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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)

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and W9 for Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

I have been receiving multiple calls on a daily basis for the past year or more and I do not have any idea of who they are or what company they would even be collecting a debt for. 
Once the number with the company name calls, I am then immediately robo dialed XXXX to XXXX times from another number, again on a daily basis. 

XXXX XXXX has a Scam XXXX XXXX and the names and numbers and dates and times called appear in the app. 

This company does not appear on any credit report
Consumer complaint received 2022-06-02
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. (MO)

I opened a chime credit builder in XXXXXXXX XXXX it kept giving me negative marks so I called at the end of XXXX and canceled the credit builder but kept my banking ( that does not go on my credit ) I was still getting negative marks and showing that the account was open. XXXX and XXXX closed it but transunion has not. I have been disputing this since XXXX they removed the marks last month and then let it happen again this month. I called XXXX they confirmed the account is closed but when I called transunion they say it's opened so I started a new dispute which would be my third one. I have been working on my credit since XXXX and this account has significantly damaged it even though there was no late payments and not that it has been closed for months it still is damaging my credit and niether companies has helped any time I have reached out to them. I have documentation on everything.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX-REPORTED XXXX {$36.00} XXXX XXXX REPORTED XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXS ****** 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 2022-06-02
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: Receivables Management Partners, LLC (NC)

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.
Consumer complaint received 2022-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.
Consumer complaint received 2022-06-02
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2022-06-02
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. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a 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 written instruction.
Consumer complaint received 2022-06-02
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. (CO)

sent letter to the three bureaus XXXX, XXXX, and equifax on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX  XXXX  Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, N.A. (MI)

On XX/XX/13 I made a transaction for XXXX on an account that does not have overdraft protection. I have chosen to opt out in overdraft protection and am accustomed to the bank declining my purchase if there are not enough funds to cover the amount. Specifically to avoid overdraft fees. I was unaware that the account had become overdrawn by {$20.00}. Over a month later on XXXX the bank began taking out a daily {$6.00} Consecutive days XXXX  fee. Again I was completely unaware. Totaling {$120.00}. On XXXX the bank charged off my account, creating confusing charges and credits eventually totalling a {$170.00} credit to my account. Again, I was completely unaware of all of this activity and had not been contacted. I had been having a separate issue with the bank refusing to change my mailing address and believe this may have caused the lack of communication. 
On XXXX I began to transfer funds into my remaining account to prepare for a down payment on a car. I noticed that my other account had been closed but did not look in to it yet. Looking at it this evening XXXX I see that they had taken {$170.00} from my remaining account to cover the excessive fees charged to my now closed account. Causing me to look further into this issue and contact customer service. The online agent XXXX told me I was not charged an overdraft fee but a negative balance fee and that there was no refunding these charges.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2019 I called auto phone line ( OPEN TO PUBLIC ) Requesting. AS A MEMBER assistance in REMOVING MY BANK INFO IN MY PROFILE * I WILL NOT BE PAYING ON THIS ID THEFT case XXXX ANYMORE. I spoke with usaa rep XXXX XX/XX/2019. USAA SUBMITTED A PAYMENT XX/XX/2019 ** I NEVER AUTHORIZED OR VERIFIED PAYMENT FOR ID THEFT DEBT. This is against Social Security Act section 207 BANKS FORBIDDEN TO COLLECT SOCIAL SECURITY FUNDS FOR DEBT. XXXX & Social Security RETURNED PAYMENT. I WENT EIGHT DAYS NO FOOD MONEY NO RENT MONEY. I NOW HAVE OVERDRAFT CHARGES IN MY XXXX ACCOUNT. ** I DEMAND WRITTEN DOCUMENTATION I AUTHORIZED WAS VERIFED TO POST THIS PAYMENT FOR THIS ID THEFT ACCOUNT OVER {$3000.00} XX/XX/2019.!!!
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AL)

I obtained an auto loan through Ally Financial in XXXX of 2017. My payments have been automatically applied every month ( XXXX ) from the same checking account. In XXXX, they announced a 2 month payment deferment due to COVID-19. Since I am unemployed due to the pandemic, I applied and was approved for the payment deferment. Since then, my automatic XXXX payment has been at " pending '' status. I have attempted to make a payment, since I was able to, several times. My checking account I have used for every payment has been " unavailable '' to make payments. I have attempted several times to reach Ally by phone, and get disconnected every time. They have now begun harassing collection calls to both me and my husband for payments that were supposed to be deferred ( 3+ per day ). My account online does not reflect that I have deferred payments, and states that my account is " past due '' at XXXX ( 2 months regular payments ).
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-06-02
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. (GA)

Experian has a bankruptcy account that is being reported on my consumer report I have spoken with a clerk from the bankruptcy court in person and she confirmed that the bankruptcy courts do not provide information to any consumer reporting agency ( Letter Attached ). This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise their grave responsibility to respect my right to privacy for their profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and above-par medical treatment as a living human being. Experian will be held civilly liable for willful and negligent noncompliance for any failure to comply with the below deletion demand. 

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

15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to XXXX, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased a XXXX XXXX on XXXX XXXX for {$22000.00} from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX I paid {$6000.00} in cash leaving XXXX to be financed. 
On XX/XX/2020 I called the finance company ( capital One ) .To my surprise my loan is $ XXXX called the dealer several times and was told I had to go the the dealership only by appointment and someone would return my call I am attempting to find my $ XXXXThe clerk keeps telling me my call would be returned. I keep calling and all Im told is they are with a customer. 
All I want is to retrieve my {$6000.00}
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Dimand Law Offices, P.C. (IL)

I informed Dimand Law PC ( XXXX XXXX ) that this lawsuit was out of spite because it did not not belong to me it was fraud. XXXX and XXXX lied about the removal of the negative item and erroneous ; y reinserted the item through a lawsuit, Sent a copy of the complaint showing that XXXX agreed to remove the information from my report. Law firm ignored my rights and pursued the lawsuit. I do not live in XXXX XXXX Illinois and I informed them of that and they still pursued the lawsuit. They sent law enforcement as well as debt processor to an address that I do not reside causing an alarm in the neighborhood. Residence in the neighborhood are on high alert due to the actions of Dimand PC, XXXX XXXX XXXX XXXX and XXXX. All three entitys are running a criminal enterprise preying on XXXX XXXX XXXX people by trying to collect on old charged off credit cards debts.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (TX)

After previous dispute was closed, complaint to the CFPB # XXXX. A collection account was deleted, then allowed by Equafax to be re inserted and RE-AGED ( A serious violation to the FCRA ) as a new account : XXXX XXXX  XXXX, deleted then re inserted as ( Original Creditor XXXX XXXX XXXX ) with a new re opening date of XX/XX/XXXX. XXXX XXXX, XXXX REMOVED IT'S NAME AND JUST LEFT ( Original Creditor : XXXX XXXX XXXX ) but the collection company name has been removed. It previously had an opening date of XX/XX/XXXX, also changed the comment section, copies of credit report sections are provided. The statue of limitations have expired to collect, in the State of Texas a returned check has only a two year limitation which has expired and are illegally trying to collect as a current collection. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX OR XXXX XXXX XXXX Account # XXXX has violated my rights under 15 U.S.C. 1681 section 602 A States I have the right to privacy, 15 U.S.C. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Ending account number 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 an account without my written instructions
Consumer complaint received 2022-04-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B