davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (GA)

My credit file is showing XXXX and Truist which are fraudulent and a result of identity theft. Im am not in the XXXX nor do I have any family members in the XXXX. As for Truist, I have never opened a Truist account. The accounts are fraudulent and are a result of identity theft. According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions
Consumer complaint received 2022-10-23
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: Grow Credit Inc (NV)

NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH XXXX FOR A YEA R
Consumer complaint received 2022-09-23
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-26
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, a french bank based in XXXX ( XXXX ) wired XXXX euros towards my Bank of America account located in XXXX XXXX, CA ( XXXX ). This is NOT the first time this bank wires me funds, it's the XXXX wire this year. I also regularly receive wires from a french company called XXXX every month, and this has been going on for a few years. For each wire, Bank of America charges me XXXX dollars. 

On XX/XX/XXXX, I received a message from my french bank stating that Bank Of America was requested a " reason '' for the transfer and was not applying the funds to my account yet. The funds had cleared the french bank on XX/XX/XXXX. Despite my frustration, I submitted to Bank of America, through my french Bank, a copy of the contracts for which I am getting funds disbursed in XXXX. I attempted to call customer service at Bank of America three times, and every time I was told the that all was normal on my Bank of America account, and refer to my french bank. Which I did. My french bank sent me a copy of the message received from Bank of America stating that the funds were not applied yet to my account and I needed to submit documentation within 2 days. Which I did. 

Today, on XX/XX/XXXX, the funds have not returned to the french bank, and they are not in my Bank Of America account either. Bank Of America keeps telling me I should refer to my french bank, and the french bank has received no new communication from Bank Of America. It has now been XXXX weeks that the funds have left my french bank, the only information that I have is that Bank Of America is holding the funds, and those funds are nowhere to be seen. 

I'll pass the details on how humiliating it is for a customer to have to beg their own bank for money they have worked hard to obtain. Beyond this, I am baffled that in a free country one has to beg for their money at a bank. If I had been living in XXXX or XXXX, it would make sense. Not in the United Stated.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (PA)

In XX/XX/2022 until XX/XX/2022, multiple inaccuracies were disputed and deleted from my credit report but Experian credit bureau did not increase my credit score and my score consistently decreases for no apparent reason. Despite corrected errors on my credit report, Experian has dropped my credit score numerous of times and my credit score has remained low for several months.
Consumer complaint received 2023-04-26
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)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-06
Product: Debt collection — Other 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: The Receivable Management Services LLC (TX)

I got this notification it says Receivable Management Services LLC is the collector for XXXX XXXX. Now the only XXXX XXXX I know is a garbage company that picks up in my area. I have never called them to get there services. I have XXXX XXXX as a garbage company since last year because my company did not pickup the leaves since I had 14 bags of leaves. So I found a company that did. I purchased my own garbage can. The previous company had not come to get the garbage can. So I am assuming maybe this company took over but I never talked to anyone at that company.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

I submitted a dispute for a transaction that occurred on XX/XX/XXXX but was posted on XX/XX/XXXX of {$96.00}, because the company XXXX  wont respond to me nor give me a refund for a subscription that I was scammed into trial and was able to cancel but still was charged. So I disputed it with chase and they put the money temporarily in my account and now today XX/XX/XXXX I get a letter that they declined my dispute and favored the company that I been trying to contact by no one will respond, kind of suspicious how they communicate with chase and cant email me back. But now they are taking the {$96.00} out of my account because I lost the claim. So I submitted an appeal and havent heard nothing from them.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I checked XXXX website and I discovered I have a debt collection with a company called XXXX XXXX XXXX XXXX. The information from XXXX says I opened the account on XXXX XXXX for an amount of {$3000.00}. I did not take a loan out and I have no idea where this came from. I have bank statements to show I never received or taken {$3000.00} from this company called XXXX XXXX XXXX XXXX I disputed with XXXX but they denied my claim.
Consumer complaint received 2023-03-11
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)

According to my report there are many collection accounts that are displaying an illegal balance. Additionally, many accounts are outdated or incorrect. I requested an investigation or to validate accounts. They only deleted one account out of man, within 30 days. Lastly, one account is only being reported for two bureaus.
Consumer complaint received 2023-06-28
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. (NY)

I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2022-10-14
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: Atlanticus Services Corporation (MI)

I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate. 
Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NV)

I recently has a loan go into default within the last 24 hours. I contacted the company and ask about my right to redeem the auto. I am aware that to reinstate my vehicle I am required to pay all late payments and fees due to bring the loan current. The representative told me that the entire balance on the loan of XXXX has to be paid in full which is inaccurate. This is a clear violation of my rights to reinstate my loan.
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Saturday, XX/XX/XXXX at XXXX I received a text msg : '' ChaseXXXX ( R XXXX : Did you schedule a XXXX transfer to XXXX XXXX for {$1500.00} Reply Yes or No. XXXX  XXXX XXXX out reply STOP. '' I replied no to the text. I immediately received a phone call from XXXX ( the number on the back of my Chase Debit Card ). The man claimed to be from Chase and was calling about suspicious charges made from my account. He then asked if I made various charges which I had not made. He explained that the withdrawals had been made through XXXX, and that in order to get it refunded I would have to log on to XXXX. He then said his supervisor was on the line and they need to verify that they were talking to me so in order to get reimbursed I would have to send {$1400.00} dollars through XXXX. So because I believed this man was an employee of Chase I authorized the money to be sent under false pretenses, I sent {$1400.00} to XXXX. He then asked me if I had an account with XXXX XXXX  and stated that there had been fraudulent activity in that account as well. He then had me send money in the amount of {$200.00} and {$30000.00}. He then told me it would take 30 minutes before the money would be returned to my account. He called me 30 minutes later and said that it would actually take 24-48 hours and not to call customer service because this would interfere with the process. Then I became suspicious and asked him how I knew he was from Chase. He said that he had called me from XXXX the first time he called. I verified this on my phone. Later that day I realized I had been part of a scam and called Chase Customer service. They said that the fraud department was closed until XX/XX/XXXX due to the XXXX. I filed a fraud complaint at Chase and XXXX XXXX  on XX/XX/XXXX.
Consumer complaint received 2022-09-19
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. (MO)

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 9th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-06-28
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. (AZ)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-04-26
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-26
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/2021 XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-19
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. (TX)

Called company to verify debt, they stated the account was no longer with them and then transferred me to another number and they could not find the account and then asked them for verification of debt, this is a major error and the account needs to be investigated. I could not even get in contact with original debtor, they claimed to no longer has access to files.
Consumer complaint received 2022-09-28
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. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.