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

Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my United State Postal article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions AND I did not give anyone written instructions.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (PA)

XXXX I emailed Aidvantage to request a refund for payments I made XX/XX/20 through XX/XX/20 as allowed under the CARES act. 

XXXX After not hearing back, I called to an Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen by XXXX. 

XXXX After receiving no notification on status/update I called again and I was told my request had a new target date of updating by XXXX. I received no status update. 

XXXXContacted Aidvantage again when no notification/or update had been made through the companys customer support chat. I Was told my request had already been approved and I would now see an update in 2-10 business days from XX/XX/XXXX. This information conflicts all previous information I was given from Aidvantage over the phone.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from XXXX. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2022-08-19
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 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. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX {$3700.00} XXXX. XXXX XXXX {$3000.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of 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 # ( private case number ) 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 2022-08-19
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. (WV)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/ XXXX XXXX
Consumer complaint received 2022-08-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX * Account # XXXX XXXX XXXX XXXX * Account # XXXX - XXXX XXXX XXXXcount XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX  ) * Account # XXXX - XXXX ( original creditor XXXX ) * Account # XXXX - XXXX XXXX XXXX  ( original creditor XXXX ) *Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-19
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. (CA)

in accordance with the Fair Credit Reporting act XXXX * Account # XXXX -XXXX XXXX XXXX * Account # XXXX - XXXX  * Account XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXXXXXX  ) * Account # XXXX - XXXX XXXX original creditor XXXX ) * Account # XXXX - XXXX XXXX XXXX  ( original creditor XXXX  ) *Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-19
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. (WV)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (UT)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Listed below are the Inquiries that are being challenged 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 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 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 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My original case number XXXX was closed ; however I don't think this is fair because I have not been able to speak with anyone at Bank of America and was told that someone would contact me. I received an email from XXXX XXXX / XXXX XXXX at BOA stating that he would need to speak with me and he called me once while I was in class and I asked him to call me back after XXXX and he never did. I called several times in addition to sending several emails going back to XX/XX/XXXX. I even spoke to someone else that said she saw XXXX XXXX in the directory so he did in fact work there and she would send him a message and still nothing. I can 100 % confirm that I did not make this transaction and would like to see all of the proof that BOA has showing that this was done from my phone because I guarantee it was not. I am bothered that nobody has contacted me, asked for documentation or have sent me any documentation proving my case ; instead they go silent and just close the case. That's not fair to me. This is FRAUD and I need help.
Consumer complaint received 2022-11-26
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. (MO)

In accordance with the fair credit reporting act. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX 2022 XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX account # XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX  XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # XXXX XXXX $ XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( A ) ( XXXX ) 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 beleieve that the information is inaccurate.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (KY)

Cavalry SPV I , LLC garnished my wages from my check I work hard for! Ive never borrowed money from them and it claims I owe them {$18000.00} plus 12 % interest and {$15.00} court cost. Ive never been to court and Ive never borrowed money from them! Im a US citizen and I feel like Ive been scammed by them and the court system! I have constitutional rights and I feel they have been violated!
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXXXXXX XXXX and all three credit bureaus : XXXX, Experian and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX  XXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.
Consumer complaint received 2022-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I was scammed by a girl online asking me if I wanted to trade Bitcoin futures on XXXX. She instructed me on how to invest as well as manipulated me into continuing to invest even after I had given my funds away and not made a single profit. I even took out a loan in order to continue the process. After I had invested all of my savings she ceased all forms of communication with me. I transferred money from my Crypto.com account to the scam company. I lost : XXXX XXXX I was in a tough position since I did not have any experience in investing but I thought I should give it a try since I was in need of a profit. The scammers were highly cunning and manipulative and convinced me to invest and assured me that it was impossible to not make a profit. I had not made XXXX XXXX from those investments.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

2019 I discovered that there has been several properties purchased with my name and social security number in the state of Georgia. I have continually trying to reach out to the property. The XXXX police department in several districts. I have called the GBI I have called everyone that I could possibly think of to report that someone has used. My social security number to purchase these properties with my name and social security number. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia. XXXX Upon going down to the department of records downtown XXXX. I notice that this person has more properties with my name and social security attached. To it? Not just this address but other progressions as well
Consumer complaint received 2022-08-19
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 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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-11-01
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)

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 : XXXX 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 is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; FIRST XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; CREDIT 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-19
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. (MN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XX/XX/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