davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX, Bank of America allowed someone to cash a {$3000.00} fraudulent check out of our checking account despite the following red flags : 1. Account Holder 's name on the check was incorrect. 
XXXX. Check number was way out of sequence with current check numbers. 
XXXX. Signature on check did not match Account Holder signature. 
XXXX. Check type was electronic which Account Holder has never issued an electronic check out of this account. 
XXXX. Check was written to a payee that Account Holder has never previously paid. 
XXXX. Account holder saw the check pending processing and told Bank of America it was fraudulent prior to the check processing being approved/completed. 
XXXX. Bank of America processed and paid out the funds to the fraudulent check on XX/XX/XXXX. 
XXXX. Bank of America had Account Holder file a claim and said they will return the funds upon determining the check was fraudulent. 
XXXX. As of XX/XX/XXXX, Bank of America, has not returned the funds to the Account Holder, despite the fact that the check should have never been cleared by Bank of American in the first place.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Name : XXXX
Consumer complaint received 2024-08-16
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. (MO)

I'm asking for your help to resolve a false entry on my credit report. This situation has harmed my reputation, and your oversight has led to serious issues. Please fix these inaccuracies so I can return to my normal life with my family.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (VA)

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, XXXX, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, XXXX, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
Consumer complaint received 2024-08-16
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, 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
Consumer complaint received 2024-08-16
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My Identity has been stolen in the past. Ive sent in supporting documentation to all 3 Credit bureau who has investigated and verified that I was victimized and the removed all unauthorized accounts from my reports until recently. I just noticed that all previous removed accounts has been placed back onto my credit reports.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Associates attempted to collect a debt I asked them for a debt validation letter they never sent it and refused to send a letter until I paid them through XXXX  and because I said no he told me on the phone I will not receive a debt validation letter and told me he doesnt even know what debt I owe
Consumer complaint received 2024-08-16
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Once my laptop was stolen I checked my credit report and found that there were many addresses that I have not ever lived at on my report as well and my name had XXXX spellings that were also inaccurate. I contacted all three bureaus regarding these personal details and it was not corrected even after my calls and letters
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-08-21
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)

XXXX  is reporting information on my account that was do to identify theft accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX buy law I have right to send documents showing that the accounts are fraudulent under lawsa ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (FL)

I was apart of the XXXX XXXX  borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX Mortgage XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX Mortgage XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

COLLECTION ACCOUNT FROM JEFFERSON CAPITAL SYST WITH ACCOUNT # XXXX AND A BALANCE OF {$3800.00}. THE ORIGINAL CREDITOR IS XXXX CREDIT. I NEVER HAD A CONTRACT WITH THIS DEBT COLLECTOR FOR ANY DEBT.
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (IL)

I have told them time and time again to not call me and to send me the contact they have on file with my wet signature and their company name. They cant provide that because they are a third party debt collector and they are harassing me. They are violating my rights to privacy and should be stopped from doing so. The account in question should be deleted from my credit report.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery has called me twice in XXXX days asking for XXXX XXXX. I am not him and I have had this phone number for over XXXX years. I was told my name would be removed from list but they still call. They buy junk loans for repayment. I have received calls from these phone numbers XXXX and XXXX. From XXXXXXXX XXXX I have also received calls to buy my house from the same area. Sadly I do not have those numbers. The calls have been a man and woman with XXXX accents. I am not a XXXX nor prejudice, just an identifiable trait. I am on the do not call list and for the most part it works fine, just get scammers sometimes. 
Thank you for all you do. 

Thank You, XXXX XXXX
Consumer complaint received 2024-08-16
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)

I am writing to dispute several unverified accounts that remain on my credit report. Please remove the following accounts immediately : XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, ensure that any name on my report that is not " XXXX XXXX XXXX '' is removed. I will be submitting a separate complaint regarding other incorrect personal information directly to the credit bureaus. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my credit report this morning, I was shocked and disappointed to find unauthorized inquiries that I can't explain. Ive always trusted my routine checks, but this time there were alarming discrepancies. I even tried refreshing my browser, but it wasnt just a glitchthe inquiries stayed. I need the documents I've sent to be reviewed closely to prevent this from happening again, so I can finally stop worrying.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Subject : Request for Investigation and Correction of Credit Report Discrepancies To Whom It May Concern, I am writing to formally request an investigation into several inaccuracies found in my credit profile, as maintained by LexisNexis. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete credit reporting.

The specific issues pertain to accounts that should have been marked as " Included in Bankruptcy '' following my XXXX  XXXX bankruptcy discharge on [ Date of Discharge ], under case number [ Your Case Number ] with the U.S. Bankruptcy Court for the [ Name of Court ]. Instead, these accounts are reported without data and in dispute, which does not reflect their true status. Details of these accounts are as follows : XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX XXXX Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute I request that LexisNexis conduct a thorough review and correction of these entries to accurately reflect their status as discharged debts under XXXX  XXXX bankruptcy. Attached are copies of the bankruptcy discharge documents and the schedule of included debts to substantiate my claim. 

Additionally, I request a copy of my full file disclosure from LexisNexis to review for any further discrepancies. Please send this report to the address mentioned above. 

Please confirm the receipt of this correspondence and inform me about the steps you are taking to resolve these inaccuracies. I expect this matter to be addressed within the timeframe mandated by the FCRA and look forward to your prompt response. 

Thank you for your attention to this important matter. Should you require further information or documentation to facilitate your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely,
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

I am writing to formally complain about and dispute the accounts that NCB Management has reported to my consumer report. These accounts are the result of identity theft and should be immediately removed from my credit report. 
I have recently discovered that I am a victim of identity theft. The accounts you are reporting under my name were fraudulently opened by someone else using my personal information without my knowledge or consent. 
To support my claim, I am enclosing the following documents : An Identity Theft Affidavit A copy of the police report filed regarding this identity theft
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX {$0.00}
Consumer complaint received 2024-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Experainrefusing to verify a debt that I do not owe from this company : They came back 2 days after I disputed it with them stating verified l ; how??? 

XXXX, XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX
Consumer complaint received 2024-08-16
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)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.