davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (GA)

I'm 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, ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-09-20
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2003 Balance : $ XXXX Late Dates XXXX
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MD)

I have since XX/XX/2016 tried to open a checking through several banks known and small and also credit unions through XXXX jobs and personal and however always being denied. I have requested a consumer report. No one has gotten back to me. I also have requested paid through various websites as I will proceed further, it was false get all in one credit 3 scores report or free credit report that was a lie also. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I have yet to open a checking account since 2016. Although prepaid is an option, I see its a gimmick to get minority to settle less with high end fees. No one may have have complained. However I am. It depletes my score even with in house mailers that state invite promo code. Its a scam as robo caller that does nothing and blocks important pertinent calls and to no unveil phone company can not unblock. I literally went with {$400000.00} and was turned away savings and checkings. I disputed and requested file and history. Nothing I was told. What is going on? I will hold all FDIC bank denials accountable second chance included. Although I tried there is nothing found i was told repeatedly. How do I dispute something not there???
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

Charge from XXXX XXXX XXXX in XXXX Texas in 2018. Bill of {$110.00} was paid online directly to them XX/XX/2018. They acknowledge receiving the money, but turned it over to Merchants and Professional Collection Bureau Inc for the same amount and date of service. 

We provided proof of payment to MPCB Inc., they contacted XXXX XXXX XXXX who again acknowledged receipt of funds, but continue to maintain that the bill is outstanding. MPCB refuses to correct the information in our account and continues to report it as outstanding to the credit bureaus.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (CO)

On XX/XX/XXXX, I transferred USDT to my Binance account. I have confirmed that it was in fact received by them, but Binance has stated that it is going to indefinitely withhold the funds due to a technical error on their end. From their customer support : " Your money is basically stuck in limbo until Binance.US supports USDT-Polygon. If/when we support USDT-Polygon we will be able to recover your funds and deposit them into your wallet ; however, because you used an unsupported network your funds are currently unrecoverable. '' Here is a link to the transaction : XXXX XXXX XXXX This is the status on their website : Amount XXXX XXXX Status Awaiting verification Confirmations XXXX of XXXX Date XX/XX/2022 XXXX To XXXX Balance Address XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank you for your time and help.
Consumer complaint received 2022-09-20
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. (PA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I do not have a Capital One Checking account nor any account with Capital One. 
On XXXX I received two letters for Capital One Bank stating that my checks had been successfully deposited. The deposit dates on both letters was XXXX. The account number is XXXX. One check for {$97.00} and XXXX for {$96.00}. 
I have reported this fraud to Capital One. 
Apparently my SS number is out there. I have closed multiple fraudulent accounts this year. 
The only way I am notified is, if the banks send me US postal mail. 
I truly wish the banks would run a credit check, before opening an online account as my credit is frozen and has Fraud Alerts.
Consumer complaint received 2024-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MN)

I was scammed by a company called XXXX XXXX XXXX. I was given the option to put some money down and take a loan out around XX/XX/XXXX through west lake portfolio management then it went a company called covered care as a medical loan? I noticed that west lake portfolio management was hitting my credit score for XXXX points every 3 months with the different credit reporting agencies. I did some research and found out that XXXX XXXX XXXX XXXX had charged off my account. I called West Lake Portfolio around XX/XX/XXXX to request a 1099C since they charged off the account and now makes it an income which shouldn't be reported on my credit report. I was given nothing but attitude and disrespect when I called. It's been a month or so now and I haven't recieved a 1099C. This account is charged off and I would like it removed from all 3 credit bureaus which I have disputed this with all 3 and are still showing this on my credit history. Can you please help me take care of this because I am trying to buy a house in the near future.
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (LA)

I am an XXXX XXXX member of the XXXX XXXX XXXX XXXXXXXX. However, my interest rate is still above that set forth in SCRA benefits description. additionally I am currently XXXX XXXX XXXX where there are state modifications to SCRA benefits outlined in Louisiana statute 29:312 ( see below ) : 29:312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/year>, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is deployed on active duty. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on active duty, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to active duty and of any orders further extending active duty, not later than one hundred eighty days after the date of the person 's termination of or release from active duty.

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on active duty.

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on active duty to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on active duty.

Acts 2005, No. 296, 1, eff
. June 29, 2005.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

I am a XXXX XXXX XXXX  at a XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) of life insurance policies in our book of business ( including my own ). This morning, XX/XX/2020, I processed two policy loan disbursements against the cash value of two of my own life insurance policies. I used the mobile deposit feature of Discover Bank 's mobile app to deposit the two checks into my Discover Checking account ( a process I have completed at XXXX XXXX  XXXX without fanfare many times in the past ). 

A few hours later I received an email from Discover stating I needed to contact them immediately regarding " unusual activity on [ my ] account '' and that they had frozen my accounts. 

After being hung up on, I called back. The second person asked for my full social security number, which I refused to provide ( the first person did not need this information - nor did anyone else I subsequently spoke to ). I was abruptly and rudely transferred to the 'front office ' by the second rep. Eventually, I was put in contact with a specialist, XXXX. Not sure what department she was in or what she 'specializes ' in because she didn't seem to think it was prudent to identify herself. For whatever reason ... 

After some two factor authentication and a bit of back and forth, XXXX advises my accounts ( both checking and savings ) have been frozen for 10 days to make sure the checks clear. This makes absolutely no sense at all.

I can understand putting a hold on the funds I deposited or only making part of those funds available ( the mobile deposit feature even notifies you that only a part of the deposited funds will be immediately available ). Sensible enough.

However, I can not understand why Discover Bank would think it was even remotely acceptable to freeze both my checking and savings accounts for 10 business days - two full weeks from today. 

I gave XXXX the check numbers and account information for XXXX XXXX XXXX, where funds are distributed for XXXX XXXX XXXX XXXX XXXX life policies. She said she would call XXXX XXXX XXXX and verify the checks to unfreeze my account. She said she would call me back no later that XXXX Central Time. I never received a call back. 

I have no access to my money. How am I supposed to pay bills? How am I supposed to buy groceries? How am I supposed to put gas in my car?
Consumer complaint received 2022-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (MS)

The medical problem for which I scheduled a Dr 's appointment was from a work injury ; hence workman 's comp should have covered this bill. Also, I was never given a chance to dispute this charge within 30 days. I treated very poorly at this hospital, and ended up having my coworker wheel me out in a wheelchair. I literally could not walk so to the extreme XXXX XXXX that I was experiencing, yet the Dr acted like I was some XXXX XXXX trying to get a Rx for narcotics. I felt like I was being judged/faking the injury. This was very embarrassing.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 a account without my written instructions.
Consumer complaint received 2022-08-12
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. (OH)

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. 

In accordance with the Fair Credit Reporting act ( FCRA ) ; 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 a account without my written instructions.
Consumer complaint received 2022-08-12
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. (TX)

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-12
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)

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completeky from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-12
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)

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 my account without written instructions. 


XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
Experian Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer FICO credit report. I've attached the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-08-12
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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