davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY for committing identity theft. I have never given PORTFOLIO RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from PORTFOLIO RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, PORTFOLIO RECOVERY has openly admitted to committing identity theft when responding to a complaint with " PRA purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If PORTFOLIO RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MI)

Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.
Consumer complaint received 2022-09-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

This company has taken more than 30 days to report back to me as the consumer. Please delete these accounts : After my request for a line by line investigation of the accounts listed below ; my XXXXXXXX XXXX XXXX Account # XXXX was deleted from my XXXX and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my XXXX credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NJ)

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian via certified mail on several occasions disputing with them fraudulent activity in my credit file with a company reporting as XXXX Bank. I provided them a letter explaining the details along with a copy of the FTC identity theft report, my driver 's license, and legal paperwork where I had the case filed and dismissed in court as this fraudulent information was NOT my account. Experian processed the dispute and removed XXXX bank from my credit file on/around XXXX XX/XX/2022. The following month they reinserted the fraudulent account from XXXX bank again. I reopened a dispute with them about this account on XXXX XX/XX/2022 and contacted them on XXXX XX/XX/2022 via phone and was explained by XXXX, Special Services Fraud Dept, that the company, XXXX, sent a response via group chat to them stating that the account has been verified. I asked XXXX to please provide me the method in which they verified the account and he stated that they only sent a response via group chat stating that they had verified the account and were not required to submit any supporting documentation to their response. I am writing to request that the XXXX Bank account be removed because they continue to fail to follow the law and properly investigate and verify this fraudulent account. In addition, I request that Experian be held liable for not properly obtaining verifiable source documents to validate companies claims of verification and releasing it to the consumer when requested, which XXXX and his Team, XXXX were not able to do.
Consumer complaint received 2022-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AR)

I signed up for XXXX XXXX XXXX internet in XXXX. Agreement was if you cancel and return equipment in the first 30 days there would not be a charged. I cancelled and returned equipment in the 30 day time frame. They have sent me a debt collection through convergent outsourcing debt collection on XX/XX/XXXX. I attempted to contact XXXX customer service and the XXXX home internet department is impossible to get in contact with and they send you back to main menu when you do talk to someone. They are falsely billing me and using illegal tactics to try to make me pay money I do not owe. They have also been sending me bills for {$250.00} that I do not owe In the month of XXXX and XXXX. They are purposely making to where you can not contact them so they can bill me. I do not owe this debt and I disputed it online with convergent outsourcing and sent a dispute by mail on XX/XX/2022.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX Transunion and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2022-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

Credti Systems International , INC has reported to all 3 credit burrows that I owe {$1200.00} from XXXX XXXXXXXX. I do not owe this amount, as XXXX XXXXXXXX did not process this medical claim correctly and the insurance denied payment, and per the EOB, states that I owe XXXX dollars on this amount. I have attempted to get this corrected with this collection agency and XXXX XXXXXXXX but no success. Acct # XXXX
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I'm requesting a Reinvestigation line by line of the following accounts they were not corrected In Accordance With the Fair Credit Reporting Act. A proper investigation was not done on these accunts because it is impposible for them to be open and closed at the same time. I am really frustrated because of these oversights. These accounts have violated my federally protected consumer rights : XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX. In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. These inaccuracies are a violation of my rights and I want you to delete these accounts.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

To whom it may concern, My name is XXXX XXXX XXXX. I've tried to resolve this issue a numerous amount of times. In XX/XX/2018, I open a new checking account with Bank of America. My information was stolen at some point ever. I never used the account, never had direct deposits or checks. A month later a fraudulent transaction was done and the account was closed shortly after. It states that it was a deposit of {$1500.00} on XX/XX/2018 and then the account was closed, I tried to resolve the issue after gaining knowledge of the fraudulent activity and was told my a Bank of America representative that " it was too late to report it '' and that it would be reported on my consumer report for the next couple of years. This has negatively impacted my consumer report and has hindered me from opening up a bank account which is essential to an adult 's life. I just recently tried to open an account and was told that this was reported to XXXX XXXX XXXX so now I am trying to take the proper steps to clear up the issue. If they can check IP addresses, cameras or whatever to prove my innocence. I am a XXXX XXXX and would never commit checking fraud. Please contact me with any resolution, questions, or concerns. Thank you.
Consumer complaint received 2022-09-25
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. (MI)

I'm requesting a line by line reinvestigation of all of my accounts. I don't see how you could have missed the fact that these accounts are both open and closed. How can that be possible, and because of this oversight, I want these accounts deleted asap. As you know In Accordance With the Fair Credit Reporting act. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX Incorrect names : XXXX A XXXX, and XXXX XXXX. Incorrect phone numbers : ( XXXX ) XXXX, and ( XXXX ) XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX. 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. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are inaccurate and must be deleted.
Consumer complaint received 2022-11-30
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. (GA)

The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean a consumer report Or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX  XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under 50 USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION (OR)

This is in response to the Penfed Credit Union letter dated XX/XX/XXXX. The Merchant namely, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX filed a rebuttal claiming the services was rendered to my residence by XXXX XXXX XXXX XXXX and submitted a sales transaction slip for this purchase Order. The letter from the owner of the XXXX XXXX XXXX XXXX will prove that the services claimed by XXXX was NEVER made and the sales transaction slip aka Invoice used by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence is a fraud. 

On XX/XX/XXXX I requested for a repair on my sprinkler system. XXXX assigned me XXXX XXXX XXXX XXXX XXXX. See email. That same day I called the XXXX XXXX  & I was told by XXXX, the owner of the company XXXX XXXX XXXX XXXX XXXX he will not provide the service because they do not work with XXXX. 
On XX/XX/XXXX, I followed up with XXXX XXXX XXXX XXXX to provide me services XXXX was claiming. No service was provided. 

On XX/XX/XXXX, I requested a plumbing service and that same day XXXX  emailed me an assigned Plumbing company, namely XXXX XXXX XXXX XXXX to call. The XXXX XXXX told me they are not affiliated with XXXX therefore, they won't provide the service. See emails exchanged between myself and XXXX XXXX XXXX and assignment from XXXX. 

On XX/XX/XXXX I called XXXX to provide me with the services they claimed were rendered to me by XXXX XXXX XXXX XXXX and XXXX XXXX as was provided to Penfed. I was told by XXXX XXXX he will email me, to date no email from XXXX in regards to the services. 

On XX/XX/XXXX, XXXX Because of the fact XXXX has assigned false and misleading companies, deceiving me, compelled me to cancel my policy. I submitted my cancellation letter via email. See email. 

XXXX XXXX, XXXX Following up with XXXX XXXX email on the cancellation letter. This was before I received the letter from Penfed credit union with the sales transaction slip submitted by XXXX. To date, no response. 

XX/XX/XXXX, XXXX I called XXXX to settle this case. There was a long period of round about from one person to another repeating myself over and over until I finally talked to this person, he called himself XXXX. Just as I was starting to explain myself, these were his exact words on the other end ... " Your call is on hold, bye bye '' the phone died. One would ask, What do you make out of this situation? This has been the case often times I called XXXX. 

I am humbly asking Penfed credit union to reopen this case and return the {$2100.00} to my account for the services XXXX XXXX XXXX XXXX claiming was all lies and misleading. XXXX can find the contact of the owner of the XXXX XXXX XXXX XXXX on the letter to verify this case.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I'm requesting a line by line reinvestigation of all of my accounts. I don't see how you could have missed the fact that these accounts are both open and closed. How can that be possible, and because of this oversight, I want these accounts deleted asap. As you know In Accordance With the Fair Credit Reporting act. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX  XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX Incorrect names : XXXX A XXXX, and XXXX XXXX. Incorrect phone numbers : ( XXXX ) XXXX, and ( XXXX ) XXXX. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Unknown inquiries : XXXX XXXX XXXX XXXX XXXX XXXX. 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. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are inaccurate and must be deleted.