davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good evening and how you been during this chaotic time of COVID-19? I continue to be surprised and shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankrutpcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (MI)

XXXX XXXX has not verified the debt they have falsely claimed I owe but Experian continues to report it is verified. Ive reported this several times since XXXX Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My name is XXXX XXXX on XXXX XXXX I got paid from my job and XX/XX/2022 part of my money was took out my bank account without my consent in the amount of XXXX $ from Capital one bank and I have sent documentation to to the bank and XXXX I sent it to XXXX because they went into my capital one account and stole my money and transferred it to XXXX and bought XXXX and did exchange it to whomever and I never authorized this for this to happen. I have tried to talk to XXXX and they keep sending me to different representatives that saying they can't help me and they ask me to send proof and I did that and now don't want to take my call.Capital one it's no update to whether I get my money back I have the disputed all XXXX of the transaction and also they tried to enter in my other bank account with XXXX but they was much more secure with my accounts and stop the fraudulent unlike Capital one
Consumer complaint received 2020-08-19
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Service (AL)

Received a phone call from a representative who stated they worked for Alliance Collection Services a few months ago. Rep stated I owed {$370.00} for a medical bill. Rep requested my credit card info over the phone to take care of bill. I immediately informed the rep that I have no recollection of what debt she was stating I owed. I requested that they send me the information in writing to properly confirm it because I'm not comfortable giving my information over the phone. To date, the collection agency failed to provide me a written notice of the debt I owed. Feeding forward, I was served ( summoned ) a demand letter from XXXX XXXX XXXX at my place of employment which stated I was being sued by Alliance Consumer in the amount of {$600.00} ( includes attorney and court fees ). 

I called Alliance to gather more information on why I never received my written request to verify the debt. The rep stated that they mailed me a letter. I ask the rep to verify the address they sent it to. The address in which she provided wasn't my mailing address. They were sending the correspondence to the wrong address hence the reason I never was able to take action on the request to pay. I informed the agency that I will pay the {$370.00} in which I now see was owed ( in writing ) however, I want to make a complaint on suing me for debt without providing written notice prior to as I requested months ago. I want my money back for the additional court/attorney fees.
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (IL)

Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (OR)

I received a text message from XXXXXXXX XXXX  with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of 2019. 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of 2019. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In early XX/XX/XXXX I was contacted by XXXX about a new debt that was put in to collections. Details below : ORIGINAL CREDITOR : XXXX in XXXXXXXX TX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Amount : {$4700.00} The debt was sold to COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ; XXXX ). I contacted them informing them this debt was not me and a result of fraud. They informed me it was a debt for an apartment in XXXXXXXX TX. I have lived in XXXX, TX with my wife since XX/XX/XXXX with documentation and witnesses to prove so. They sent me a packet to fill out which requires 4 things : Proof of residence during the time which the fraud occurred, driver 's license, a filed police report for report number documenting the crime and unit that is fraudulently in my name, and a copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. 

This is my attempt to get the FTC complaint required for GENESIS to remove the debt.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/2020, my ex-husband of 4 years walked into a Union Bank in  XXXX XXXX XXXX, California and fraudulently opened two accounts in my name without my permission. He opened these accounts in my married name, which I have not used for the past 4 years. Union Bank did not verify anything with me before opening these accounts. Today, on XX/XX/2020, I received an email about my " new account '' -- opened in a name I don't even use anymore -- saying that they received my Signature Card. How did they receive a signature card from me if I did not open this account? So I called the Customer Service line to close the account and Union Bank won't let me because I don't have the account number ( because I didn't open the account! ). Union Bank refuses to help me. This is fraud!!! 


ONLINE BANKING Confirmation for your new Union Bank account Dear XXXX : This is a confirmation that we have received your Signature Card for your new account ( s ) opened on XX/XX/2020. 

Thank You, Union Bank Questions? Call XXXX. Representatives are available Monday - Friday XXXX XXXX XXXX - XXXX XXXX. Pacific Time ) ; Saturday ( XXXX XXXX. - XXXX XXXX. Pacific Time )
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Back in XX/XX/2021 I received a letter from XXXX stating my personal information was compromised and they were offering 2 yrs of free identity theft protection. When signing up for the protection I discovered that 2 credit cards had been opened using my personal information. When I reached out to Bank of America to report the card being fraudulently opened using my personal information They asked me what name was on the card and I was told they had no account in that name so I then provided them with the account number and they asked me how I got the account information and I said it was on my credit report and the credit bureau provided my with all the missing information. The bank seemed more bothered that I had the account information than what they needed to do to get a full disclosure as to how the account was opened and by who and what was provided to them by the thieves. Apparently, they used my personal info to open the account and then removed my name off the account and placed it in their name. They actually hung up on me after I insisted on them to investigate this fraudulent credit card account.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc. (MI)

I called the XXXX hospital & the collection agency about bill. The hospital said I didn't have any insurance, but I know wasn't true. I've been working for the same company for 23 years with the same insurance. So I gave them my information & also contacted the collection agency. Collection agency said it's nothing they can do and want full payment. I called back to hospital all of a sudden my bill is now showing paid, but collection agency says they have to wait for a clearance from hospital then it will take 30 days to remove off my credit and I dont think this is fair to me!
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 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. All is being investigated by the FTC.
Consumer complaint received 2020-08-19
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)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX
Consumer complaint received 2020-08-19
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 filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.
Consumer complaint received 2022-06-15
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)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Almost daily call after I've told them I do not wish to speak to them by phone under the fair debt collection act and that I am XXXX  and my ONLY source of income is SSDI. Every attached screenshot is associated with Portfolio Recovery. The person that call today said her name was XXXX XXXX and that they had never called me before, which is a lie, as shown with screenshots.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (OH)

Disputed numerous accounts that are showing up on my credit file. This accounts are not mine. The reporting agencies are unable to verify correct information. But equifax is posting information onto my credit file thats been provided by disputed companies. 
Recording addresses Ive never resided at. Changing my current address to a address I havent lived at. Going off of information these companies Im disputing that arent my accounts
Consumer complaint received 2020-08-19
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. (GA)

My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account XXXX XXXX  Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report!!
Consumer complaint received 2021-06-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (NY)

this debt collection company ( COLLINS ASSET GROUP ) has illegally obtained my information and used It to obtain credit from other Financial institutions without my consent.My consumer rights have been violated, and I want the cfpb to remedy this issue asap. please see all attached documents
Consumer complaint received 2020-08-19
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. (TX)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX.
Consumer complaint received 2022-09-21
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: LEXISNEXIS (MD)

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

Account XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account XXXX : Bankruptcy XXXX XXXX Account Number : 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 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 of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-20
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: American Credit Acceptance, LLC (TX)

On XX/XX/2022 I alerted American Credit Acceptance of an inquiry that I did not recognize and requested that they validate the inquiry. They sent me a one letter response on their company letterhead advising that it was authorized. In addition to this, they advised in the letter that they attached documents, and enclosures and there weren't any. I sent then another letter XXXX XXXX. I am demanding a reivestigation into this matter, and for American Credit Acceptance to send me the documents as requested with a wet signature authorizing them to pull my credit. If they can't REMOVE THE INQUIRY IMMEDIATELY!!
Consumer complaint received 2020-07-08
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. (IL)

Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}