davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-08-27
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)

The 3 credit bureaus, XXXX, Experian & XXXX are reporting accounts that were not authorized by me. I have submitted documentation per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX DEPTEDXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a 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, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

My Unemployment benefits are going to a Way2Go Card. They do advertise that i will be able to transfer my funds from their card to my personal bank card for a fee of {$1.00}. i did it once and now they did remove this option without any notice. 
I tried to contact them multiple times. NOTHING. I did use all phone numbers that they did provide to contact. left multiple voice messages and NOTHING.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Received a US BANK RELIACARD which is suspicious. Did not ask for it or asked for unemployment benefit from PA. We don't even live in PA. This is a scam or fraudulent activity. Tried calling US BANK Reliacard but never was able to talk to a live person. Please mark them as Scam US BANK RELIACARD
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine and Weiner on behalf of XXXX XXXX XXXX. 

I have disputed this debt several times. With the credit bureau, collection agency- Caine and Weiner and XXXX. 

It was determined by XXXX that I was being double billed for auto insurnace. 

I called XXXX in XX/XX/2020 to advise them that I wanted to cancel service as I've gone with XXXX. They assured me that was fine and all was good on their end. Fast forward to now, I am in collections for the supposed amount. 

I called XXXX again XXXX calls in the past month to have this resolved with no remedy. They advised that, all I needed to do was submit proof of my coverage with XXXX and they would take the necessary action of which I have twice. They have not and neither has Caine and Weiner. 

I will call XXXX yet again this evening to follow up. But it's absolutely frustrating that after all of my attempts and proactively, it's still on my credit although it shouldn't be, as I do not owe them anything. 

I do not have the time to spend hours upon hours on the phone, speaking with different reps, getting different stories. Especially for their mistake that I'm already paying for.
Consumer complaint received 2020-08-27
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

In XXXX of 2020, I was made aware of a debt collection on my credit score. I sent a certified letter, sent via USPS, to ARS Account Solutions asking for them to verify this debt that I supposedly owe. I sent this letter on XX/XX/2020. They refuse to validate this debt and say that I owe a large amount of money without allowing me to authenticate this debt.
Consumer complaint received 2020-08-27
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)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (MN)

I did multiple international wire transfers with US Bank and provided all the corrected information. The beneficiaries never received the money since the transaction was rejected by their banks. US Bank has started XXXX business cases stating that the bank needs to reject the transactions which they already did. The banks do not receive in local currency XXXX XXXX XXXX XXXX XXXX ) and also the amount is not allowed. US Bank sent in local XXXXXXXX XXXXy in XXXX. I have all receipts, documents and support documentation. US Bank does not provide update, answers my phone calls and do not take any actions. This was my life savings over $ XXXX for a purchase of a XXXX XXXX XXXXXXXX. I am desperate since they do not provide any support which they mentioned to me to be the safest way to transfer large amounts of money. They treat me with despair like a I am a second class citizen.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 607 AND 609 ... VARIOUS ID XXXX  ACCOUNTS ON FILE NOT MINES, NEVER DONE BUSINESS WITH COMPANIES AND ACCOUNTS OUTDATED REPORTING ... REMOVE ALL FRAUD ACCOUNTS LISTED : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX '' EXPERIAN REPORT # XXXX XX/XX/2020
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXXXXXX XXXXk Account NumberXXXX XXXX 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX XXXXXXXX Account NameXXXX XXXX XXXX XXXX Account Number.. XXXX Account Name XXXX XXXXXXXX XXXX XXXX in Account number... XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXXXXXX Account Name XXXX XXXX  untitled Account NumberXXXX XXXX XXXX XXXX XXXXXXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, 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 an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

15 u.s.c 1681 S. -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates (TX)

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from RETAIL MERCHANTS ASSOCIATION
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

This bank is not following Regulation E guidelines. They charged me an NSF fee on an item still pending. After all items had posted on XX/XX/XXXX there was a POSITIVE balance of {$30.00}. The NSF fee hit that night causing the account to go negative {$5.00}. The item that caused the NSF fee is still pending on my account. Pending items can be removed by the merchant at any time. That is why you can not dispute and why FEES can not be charged against a pending item. XXXX, the call center manager on duty XX/XX/XXXX at XXXX XXXX, needs new yearly training to be updated on Regulation policies. This is federal law this bank is breaking. At the end of business day of XX/XX/XXXX my account was positive. I demand my money be returned as it was stolen by Regions Bank. This bank is so fee hungry, they will take a fee before the transaction even posts!
Consumer complaint received 2020-08-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2020 i was charged XXXX $ on my account by a scammer from XXXX XXXX   who transferred the money to my sisters XXXX XXXX which she received no money of the amount and he has sent the money to fake names to receive the money she has tried to dispute the transaction with XXXX XXXX as well as i have and they refused to refund the monet. I have bank of America and filed the claim the same day and they refused to take the case as fraudulent and saying i authorized this while i did not authorize these two transactions and i would like to know if you guys could help in this i am being refused my money back as they were fraudulently charged. I have sent to them screenshots of the XXXX XXXX accounts they went to as well as a detailed letter of what happened with the scammer, they have escalated the case and still refused to refund my money that were taken as fraud because i do have previous transactions woth my sister using XXXX XXXX but that amount of XXXX she did not receive any of it and she went through the same thing that day like me also being scammed and she got her money refunded by her bank, bank of America has dealt with my case unfairly as i am a good standing customer.
Consumer complaint received 2022-10-25
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: PENTAGON FEDERAL CREDIT UNION (NY)

I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with Pentagon FCU. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with Pentagon FCU, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (GA)

I have a loan with 01 CITIBANK N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and 01 CITIBANK N A with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-09-12
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. (AL)

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 2022-02-22
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 Convergent account has violated my rights.. Strates 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 an consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 5 yrs, 11 mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Charge account Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (WI)

My wife and I are trying to freeze our credit reports to prevent identity theft. The process was simple to complete online at XXXX and XXXX. Experian does not allow either of us to complete the process online, requiring us to mail copies of government id, utility bill, and other personal information. We are concerned that we will have to go through a similarly onerous process if we choose to unfreeze our account and believe these requirements are designed to discourage us from taking these steps.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (MI)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either