davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

My name is XXXX and Im one of the many victims of the XXXX XXXX XXXX scam. On XX/XX/XXXX XXXX was selling a sofa-bed on the XXXX. A prospective buyer messaged me requesting to pay using XXXX. I wasnt familiar with this form of payment, but I remembered that I had seen it on my PNC app. The fact that XXXX was offered on my bank app gave me a false sense of security that brought my guard down. The buyer asked for my email address to send the payment. I received a fake email appearing to be from XXXX XXXX XXXX the buyer had paid using XXXX business account and that I must upgrade to the business account too. The buyer then contacted me directly claiming that he received the same email from XXXX and, to make things easy, he sent me money to cover the purchase and the upgrading fee. Then the scammer asked to be reimbursed for the upgrading fee. And this went on with XXXX transactions ( claiming problems with the XXXX system ) with a total loss of {$1700.00} ( {$200.00} + {$500.00} + {$1000.00} ), almost all the money I had in my PNC account. I reported the scam immediately, within minutes, to PNC. After 10 days from filing the dispute, PNC sent me a letter of denial, stating that the XXXX transactions were not fraudulent because I had authorized them, even though I had been tricked into doing so. I believe that since XXXX is embedded in the PNC app, PNC should feel in part responsible for these scams. If I had to download XXXX and create an account myself, I would have probably had the time to think about what I was doing and get suspicious. Also, banks get away with denying these claims because federal Regulation E requires banks to cover only unauthorized transactions and these scams trick people into making the transfers themselves. I believe that since I was duped into making these transactions, they should be considered unauthorized. 
Thank you for listening to me. Please, let me know what I can do to make this right. Any suggestion will be greatly appreciated
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel Attorney has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX dollars of my savings that came from XXXX XXXXXXXX benefits social security back pay that I received after years of fighting for.
Consumer complaint received 2023-03-09
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXX/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 XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NY)

XXXX XXXX XXXXVelocity Investments violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist to CKS Prime Investments after Ive stated the alleged debt is not mine. They were not allowed to sell an alleged debt on a cease to desist! This is considered harassment from XXXX XXXX XXXXVelocity Investments and CKS Prime Investments . Per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. {$20000.00} ( {$10000.00} from each collection agency ) is due for the damages of each violation applied. VIOLATIONS : - 15 USC 1692g - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1692d ( 4 ) - 15 USC 1693I I am seeking {$16000.00} in damages due to the MULTIPLE violations that CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. As stated above, CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. CKS Prime Investments and XXXX XXXX XXXXVelocity Investments must disclose my right to opt-out and has committed fraud, which has no statute of limitations.
Consumer complaint received 2023-03-08
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 last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ... XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX 

Account name : XXXX Account number # XXXX Account name : XXXX XXXXXXXX Account number # XXXX Account name : XXXX XXXX  Account number # XXXX Account name : XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX 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 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U-S-C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (ME)

22 charges from XXXX - XX/XX/XXXX called them in early XXXX and today XX/XX/XXXX. They said it was a known scam and they would take care of it. Got an bill on an account I did not open called them and said their visa nothing they could XXXX me to XXXX
Consumer complaint received 2022-08-03
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. (IL)

I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2022-08-03
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-08-05
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. (CA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they 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.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they 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.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted multiple disputes that have gone unanswered. There are late payments on my credit report that are inaccurate. Please assist me in removing these erroneous late payments.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I purchased a Home in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-08-05
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. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This XXXX XXXX on my credit amout is wrong this stared in XXXX  was removed. Now it back. I asked for copy of a XXXX XXXX that states I am that far behind. Court orders and more no one wants it to me. There is an open investigation on this department
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I filed a complaint about JP Chase Bank XX/XX/2022 not properly handing my bank account when it came to a court ordered XXXX. The funds in my account were completely exempt from XXXX and garnishment under THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES 31CFR Part 212.4 ; FEDERAL RULES AND REGULATIONS CFR 581.104 ( j ), 76 FR 9939, 78 FR 32099 ; and also payments made pursuant to sections 1381 et seq., of title 42 of the United States Code ( title XVI of the Social Security Act This is an update to complaint # XXXX and # XXXX that I filed with the Consumer Financial Protection Bureau that they closed and did not take my complaint serious! 

I went to court on XXXX XXXX the judge decided that the funds in my account WHERE EXEMPT FROM GARNISHMENT AND LEVY ; which means JP MORGAN CHASE IN FACT VIOLATED the rules and regulations put in place by THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES to assure Banks do their DUE DILIGENCE when handling warrants for garnishment and levy on consumers accounts! Chase mismanaged my money, and my CIVIL RIGHTS were violated and I'm ready to file a lawsuit!! 

All discoveries are uploaded below!
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX