davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Re : XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against Equifax about my Credit Report. I have no affiliation with XXXX XXXX. On or about XX/XX/2016, Your company stated I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visited this place or do n't even know where this place is located. 
I would urge you to have all of these items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about XXXX points recently. The card issuer is XXXX XXXX XXXX  XXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on my credit file.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax..
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (MI)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} 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
Consumer complaint received 2023-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (AE)

General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX BTC from my XXXX account to Gemini at the instructions of the scammers. 
In providing their services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
FATF issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the FATF Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that AML/CTF efforts are consistent internationally.

There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that Gemini could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client with the wallet address XXXX was an active participant in the movement of my money, which eventually ended up with the Company, Gemini have not exercised their duties to identify this suspicious scheme in a timely manner.
Consumer complaint received 2018-06-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent TRANSUNION written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

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. 

CREDIT CARDS XXXXXXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
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 XXXX XXXX XXXX XXXX XXXX TransUnion Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2024-11-15
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. (MS)

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Open. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2200.00} XXXX XXXX account. {$2200.00} past due as of XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ), section 605B states that the credit bureaus are required to block any and all information from appearing on your credit report that is a result of identity theft or fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent the certified letter below to Experian and XXXX. As on XX/XX/XXXX I have not received any communication from them. Please assist with getting this information corrected. 
I am writing to formally request the immediate removal or validation of all late payments listed on my XXXX  account ( Account # : XXXX ). The account is listed under the following details : Account Type : Credit Line Date Opened : XX/XX/XXXX Current Balance : {$18.00} Credit Limit : {$1800.00} Payment Status : Current According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, you are required to ensure the accuracy of the information you report. If these late payments can not be validated with original documentation and proof that I was actually late, you must remove all references to late payments from my credit report. 

I am requesting : Full validation of all reported late payments, including original documents and proof of late payment. 
Immediate removal of all late payment records if validation can not be provided. 
Failure to validate these late payments would be a violation of the FCRA, and I will take further action if necessary to ensure compliance. 

I expect written confirmation that these issues have been resolved within 30 days, as required by law. Please treat this matter with urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX XXXX
Consumer complaint received 2023-04-18
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: CREDIT ACCEPTANCE CORPORATION (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
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, all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Received email notification from Bank of America that there was a new application related to my name/social security number. There were several emails and I received them beginning at XXXXXXXX XXXX EST on XX/XX/2023. I looked up the fraud department number on the BofA website and contacted them at XXXX EST on XX/XX/2023. I verified my information and it was confirmed by BofA rep XXXX that an account had been opened using my information. He emailed me something related to fraud protection and advised that he was closing the fraudulent account. I thanked him and then I was placed on hold. I waited on hold for approximately XXXX minutes. I then spoke to BofA rep XXXX who once again verified my information, but advised that the account was NOT closed and that she was taking steps to actually close the account. XXXX not sure how someone was able to successfully open a bank account in my name without the emailed confirmation code, nor the correct address. I am also still not confident that the fraudulent account has truly been cancelled by Bank of America.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I had nothing but trouble with this credit union since I opened the account. The first problem was they allowed someone to link their account to my account and did multiple external transactions which they did close that account and open another and refunded the money, the second problem was they allowed someone to do a take over of my account and do multiple XXXX transactions to themselves or whomever the person is and basically told me that it was my boyfriend and they couldn't do anything about it a totally of XXXX XXXX plus dollars gone and they did nothing but tell me oh well your problem and third and final problem is yet the same thing they allowed someone to link their account again to mines and did multiples external transfers to themselves totalling XXXX XXXX plus dollars once again got told that it was my problem cause I didn't answer the phone when they called. I don't even want the account anymore I just want my money back and they can closed the account. They don't investigate the problem and think just because the quote on quote device use is supposed to be yours they just say no error occurred. They might can get over on a older person but I am young and want all of my money back.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (CA)

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX  to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX  they are requesting to have it unblocked from you and there is no fraud attached to this account.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

NRA # XXXX. 
These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Ally financial I have my car financed with Ally Financial and my account number XXXX Car details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I refinanced my vehicle through XXXX XXXX XXXX XXXX and they have sent the payoff check via XXXX on XX/XX/XXXX, XXXX tracking is XXXX and XXXX shows it was delivered on XX/XX/XXXX at XXXX and signed for by XXXX XXXX 
Check # XXXX amount {$50000.00}. 
My complaint is : Ally financial has not taken any action to payoff my vehicle, the customer service employees have very poor service and they dont have any information about the check or the whole situation and they dont have another number for their financial team who supposedly received the check and get my car payed off. 
Please help me to resolve this issue. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

After getting out of prison in 2020 I checked my credit, I'd been gone for XXXX  years and previously been contacted by the IRS who informed me I was a victim of identity theft when someone used my social to avoid their income tax by having nothing withheld from their paycheck. It was easily proven that I was unable to do this as I was in custody. So once I saw this report that I owed XXXX XXXX and now that debit was being pursued through a company called XXXX. I filed disputes with all XXXX credit bureaus and with XXXX XXXX XXXX in am attempt to remedy this. After no success I contacted XXXX XXXX on XXXX, I was told to fill out a Affidavit of Identity Theft and a police report, I did both and am waiting for this to be removed. This negative report has cost me money, time, and opportunity. I was just paid in the XXXX data breach as my information is routinely found on the dark web and I don't understand why it's so difficult for this to be proven its not mine, for all the above mentioned reasons this should be removed and I should be paid for the anguish this has caused. I just want it removed.