davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (NC)

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 XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; CXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2022-09-02
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: EQUIFAX, INC. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

I have submitted several disputes to XXXX  in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the SC Department of Revenue, an amount of {$370.00} was paid to XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX XXXX was renamed to XXXX XXXX. 

I have attached supporting documents.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXnkruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-09-02
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A fraudulent transfer was made on my Bank of America checking account via XXXX. Someone accessed my account and sent {$10000.00} to an unknown person. I contacted the bank right away and been told time and time again, they can not help me. They claim that XXXX is a third party and I need to work with them. I've contacted XXXX and because the transfer of funds was made using the Bank of America XXXX portal, and not the XXXX app directly, they turned me away and advised on the bank can help me. After ( 2 ) weeks of going back and forth with Bank of America and submitting a claim for fraud / unauthorized transaction, the bank has denied my claim an closed the case.
Consumer complaint received 2022-09-02
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)

Experian have violated my consumer rights by violating my right to privacy. Per 15 USC 1681b prior to the release of my personal information my written consent is needed, which I didn't not provide to them. Also, according to The Gramm-Leach-Bliley Act, any and all financial institutes are prohibited from disclosing personal information to third parties.
Consumer complaint received 2021-10-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (OH)

Hi my sister fraudulently forged my name as a co sign on private loan from XXXX XXXX XXXX. I just found out this happened when I tried to get my student loan and financial aid. This happened in 2012 I never was around my sister at that time!
Consumer complaint received 2022-09-02
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-03
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  : {$790.00} ; XXXX XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX XXXX : {$680.00} ; XXXXXXXX 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
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (MI)

I paid this debt to XXXX XXXX and have spend hours trying to remedy this with them. Their representative has told me that I made the final payment but they kept sending me the bill. I have asked multiple times to XXXX and now the debt collector for validation of the debt and for the transcript from my multiply conversion with XXXX to validate they said I made my last payment. All have been ignored. I have copied of the letters sent through certified mail to these companies. I originally sent the letter in XXXX and revived no response so I reasoned through certified mail in XXXX. I also emailed to figure out why they did not respond. They said that they did multiple times but the only thing I received was the original XXXX bill. They are refusing to remove this collection item.
Consumer complaint received 2022-09-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 

The following account was a Charge-off. Balance should be XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 3.The Following Account Was A Charge-Of. Balance should be XXXX. XXXX Account Number : XXXX The Following Account Was A Charge-Of... 
* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX
Consumer complaint received 2022-09-02
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: BANK OF THE WEST (OR)

Applied for a Bank of the West credit card. Got approved for a XXXX credit card. I had a pay no interest balance transfer offer that I decided to use to transfer the balance of two other credit cards ( XXXX, XXXX ). Bank of the West processed the balance transfers on XX/XX/XXXX. I waited a week for things to settle. It has been more than a week and upon checking and calling XXXX and XXXX they say they dont know anything a balance transfer and I still owe them the money. Bank of the west created a new debt without paying my other creditors first. I believe that until the transferred gets approved and paid off they shouldnt be charging interest or running time on their promotional offers. I talk to customer service they say they agree with me but they just work there and that it is common practice of them to do that. I dont understand how the bank is allowed to do this kind of things to people. Sound simple. Dont charge people interest or run time on promotions if you have not even paid off or transferred the balance. As a consumer I feel like
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (MO)

I was a cosigner on a lease for an international student for an apartment. He paid his rent diligently until he had a medical issue and had to be repatriated back to his home country. The school contacted the apartment management at the time, and his lease was terminated without fault. I found this debt on my credit report two years after the above events and have been trying to get it removed. I never received a bill or any attempt to collect the supposed debt. When I contacted the apartment complex management, they informed me that the property was sold to new management and they do not have any records of the previous arrangements I am describing.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX CLAIM number while i was working overseas in XXXX someone broke my safe in my room and took my debit card and started using it i visited my family in XXXX XXXX BECAUSE OF THE US sanctions with XXXX i coundt check transaccion / statement and had covid in quarentine i reported ones i was back in XXXX. i have filled a police report i have stated 100 times i didnt authorized nobody to use my debit card i want an official investigation or to go to adjudication. i have tried contacting the companies that where charged and was advised there where shipping to a forwaring company in XXXX and somewhere in XXXX not even my address. i returned to the us on XX/XX/XXXX. 
please help
Consumer complaint received 2022-06-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (KY)

XXXX and PNC Banks I set up a XXXX account to receive money from an individual buying my piano that was listed on XXXX XXXX. The buyer was " out of town '' and a family member would be picking up the piano. The purchase price was {$1500.00}. This occurred XX/XX/XXXX. I created a XXXX account to complete the financial transaction. The " purchaser '' said they needed to make a {$400.00} payment on top of the {$1500.00} because they received an email from XXXX. I followed the instructions. They tried to get another {$600.00} from me and that is when the alarm went off in my head. I contacted XXXX and PNC bank. I filed a dispute for fraudulent representation. I received a notice XX/XX/XXXX from PNC saying my dispute was resolved as a vaid transfer and my claim was denied. So, I lost {$400.00} to a scammer. I have their email address. Since I sent the money through XXXX, there should be a way to track down the person who lied and scammed me.
Consumer complaint received 2022-09-02
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: Mercedes Benz Financial Services (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BENZ FINANCIAL XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (TX)

This does not belong to me I have no debt with XXXX, I currently have XXXX and worked for them 8 years and have had my account ever since. Please remove this from my account immediately. Its shows it was opened 3 months ago this is definitely incorrect.