davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX DE XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$16000.00} ; XXXX  XX/XX/2021.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (AR)

XXXX XXXX XXXX  and XXXX  are both in violation of hippa law and a complaint will be filed with the OFFICE FOR CIVIL RIGHTS This is also defamation of character due to XXXX  being a nonaffiliated third party XXXX  stated that they mailed me validation I have yet to receive the so-called validation that this debt collector never had to begin with.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-07-15
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)

I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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)

i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, Transunion, XXXX and XXXX. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records
Consumer complaint received 2022-07-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (MI)

I got a refund from a merchant XX/XX/XXXX22 it was available them they took it back and overdrawn my account Today on XX/XX/XXXX2022 trying calling them keep getting the run around it
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Credence Resource Management LLC Ive sent in debt validation letters and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY
Consumer complaint received 2022-11-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I wired {$250000.00} from my XXXX XXXX business checking account to another company at Bank of America on XX/XX/2022 for a large qty of medical device products. On XX/XX/2022, I realized that the transaction was fraudulent and the paperwork provided to me regarding the inventory was fraudulent. I went to a XXXX XXXX branch on XX/XX/2022 and issued a wire recall for the full amount. 

Through countless phone calls over the course of XXXX and XXXX, the company that we sent the funds to surfaced and started to communicated with us. They instructed us that Bank of America had moved the funds into Bank of Americas Hold Harmless account due to the claims of fraud against them. They also explained on XX/XX/2022 that we needed to go back to XXXX XXXX and reissue the wire recall. It was explained that once Bank of America received the wire recall request, that Bank of America would request a Hold Harmless/Indemnification document from XXXX XXXX prior to returning our funds. 

On XX/XX/2022, I went back into a XXXX XXXX and reissued another wire recall for the full amount. Bank of America replied as described on XX/XX/2022 via XXXX XXXX requesting a Hold Harmless/Indemnification document to release my funds back to me. It is now XX/XX/2022, and I cant get XXXX XXXX to send the Hold Harmless document to Bank of America. I have called department after department, nobody will help me, and my business is suffering terribly. I need help getting my money back. 

I spoke with another gentleman that I found online that went through this exact scenario. He informed me that he filed a complaint with your organization and they allowed him to execute the Hold Harmless personally and the banks responded and resolved the issue in a very timely manner. Please let me know if you need anything from me as I am in desperate need of resolving this issue.
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

A paypal account was opened back in XXXX - I have tried to have this account closed since XX/XX/XXXX, but they refuse to close and delete my information. First they wanted me to updated my new contact phone number and address ; thus said it takes XXXX hours for the database to reflect the current information. Its been a week and they still refuse to close an account that was never used, but they keep sending unwanted solicitation emails weekly to my XXXX email.
Consumer complaint received 2023-04-04
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. (OH)

On the date below I sent all three Major Credit Bureaus the following letter to verify my account information, of which they all responded stating that the information they had on file had been investigated and verified. Information inmy credit filed could not have been investigated nor verified if one or more bureaus have conflicting opening dates and credit limits or other data incorrectly documented.

None of the Credit Bureaus sent any information detailing or proving an investigation had been properly conducted. Especially and specifically with the following ( 2 ) accounts, XXXX Validate Account XXXX XXXX XXXXXXXX Validate AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 


Thank You, IrvinYoung 15 U.S. Code 1681i Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (OR)

I received a letter on XX/XX/XXXX saying that Transworld stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.
Consumer complaint received 2023-01-18
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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
Consumer complaint received 2022-05-05
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)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my countXXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-14
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: Fidelity National Information Services, Inc. (FNIS) (FL)

HELLO MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
Consumer complaint received 2022-09-15
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. (NC)

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (PA)

An identity thief set up the account and I want to close it. He used an email from XXXX say I was being charged {$290.00} if I did not order call XXXX then he switched the call to XXXX said he would stop further charges and refund my money which has not been taken out yet. 
He called himself XXXX XXXX. XXXX This happened XXXX When I refused to give him my new debt card no. He got angry.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TN)

On XX/XX/XXXX, I placed a XXXX XXXXXXXX XXXX  purchase. It was my first time to use this service and I wasn't sure how it worked. I was in communication with someone, in regards to the purchase of an XXXX XXXX. After some confusion, with XXXX XXXX XXXX working and then not, ( Originally, XXXX said this item was covered by purchase protection, but the link didn't work ) we agreed that I would send her the money via Zelle. I sent the amount of {$380.00} to her bank account. She claimed to have not received the amount, and claimed she was having trouble accessing her account. On XX/XX/XXXX, after she again said she hadn't received the money, I told her I was concerned and would report it. She came back and said she called her bank and had received the money. She would mail the phone. She very quickly deleted her XXXX  account, she never replied to any other messages and her account said messages unable to send. I immediately contacted XXXX but they said they couldn't help since I didn't send the money properly, through XXXX XXXX XXXX. I contacted the police, who told me to contact my bank. I contacted my Bank, shared all screenshots of the communication and bank details, but they have also denied helping.