davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I am starting this dispute based on my experience with Lexington Law. I had started a monthly subscription with them back in XX/XX/XXXX to repair my credit. Around XX/XX/XXXX is when I officially ended my membership with them due to not seeing much results and felt they were dragging me on. The monthly payment started at {$60.00} and after a year or so it changed to {$30.00} because after trying to cancel it the first time they lowered my monthly to keep me in. Wanting help fixing my credit I opted to stay and pay the lower payment. They would send me notifications or letters claiming they initiated action against some of the companies to remove inquires but never any results. I received these notifications/letters multiple times through the process, nothing ever changing. Eventually I felt I was just throwing money away and canceled everything with them. Upon looking for professional credit help I found out Lexington Law was being accused of sending false information which leads me to this dispute.
Consumer complaint received 2019-12-02
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: V and H Portfolio (FL)

Vance and Huffman LLC said that they would remove my account from my credit report if settled account to XXXX  balance which I did and its still showing on my credit report.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

5/3 Bank did not reverse fraudulent charges. 
Fraudulent charges were not reversed for my son 's checking account after his card was stolen. Instead of resolving the issue they have sent the balance to collections. I have requested information regarding this account per their instructions and have not received any information at all. I was told that all information would be handled through the dispute email but never received a response and was never contacted back about the issue. Now instead of working to resolve the issue they have damaged my son 's credit score by sending this to collections without ever once contacting us to resolve it. 

So we were a victim first of malicious activity and then instead of helping us the bank made it worse for us by refusing to investigate the fraud properly. 

My son had {$230.00} in his account and after fraudulent activity they said he owes them {$4200.00}. 

Also it is unclear how every time i deposit a check into an account it is held for some time but when a fraudulent check is deposited into an account from an ATM for {$4500.00} it is not held at all and then the thief made purchases at 4 different XXXX  in the same day for {$900.00} plus a {$500.00} ATM withdraw.
Consumer complaint received 2020-10-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc. (GA)

I have loan thru the this company, i recently had a problem where someone hacked into my checking account, i reported to all my creidtors, all of them worked with me except these advance america. when i let them know, i was told not problem, i made a part of a payment, since the bank would only let me have a portion of my funds, I was told that would be fine. even before my next payment was due, i received a email stating that i was in default and that i would have to make these ridicules payment over the next 6 months! These people are nothing but liars and cheats!!!
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NC)

XX/XX/XXXX : Credit Card was closed for being seriously DLQ XX/XX/XXXX : I visited US Branch location and ended my banking relationship with US Bank, assured no future charges would go through. 
XX/XX/XXXX : A charge was made for XXXX XXXX : Attempts to collect a debt ( multiple times ) notified them of the issue and that I'd be submitting a CFPB compliant and to suppress any credit reporting and to correct any previous credit reporting.
Consumer complaint received 2020-10-15
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. (IL)

XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXXis fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

COMPLAINT AGAINST : ARS ACCOUNT RESOLUTION = XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX AMOUNT IS : {$1500.00} SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS. 
I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH XXXX XXXX
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a public record on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification  because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of this complaint or I will expect to see the item in question permanently  expunged from my record. XXXX Court US BKPT CT TN XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IN)

Experian is blocking my ability to unfreeze my credit report temporarily. When I enter my pin it says it is inaccurate, when I request a new pin it says it has submitted it to me, but still says it is an inaccurate pin. When I try to contact the company I get redirected to purchase all their products. I need to get this freeze lifted today.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the XXXX. XXXX XXXX on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. 

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I have see and do thing that Im fix my credit an Im knowning someone useing my information and I go to the web to sign up for the account. In months period Im paying on time payment the sore that I see the first time dropping so much that I seeing first so different I been call and writing email but it not changed anything with the payment that Im make ontime. Can someone please take a look at at my file to judge or see. Please email me back thank u
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I was on the Amazon App shopping. Applied for line of credit to get a credit and the total sum would be {$200.00}. The application said I got denied but then got stuck and later i got emails saying I was approved. I got the credit card in mail XXXX XXXX XXXX account. But the emails was coming from Synchrony. I went to Synchrony email and website to register the card I got in the mail and said it didn't register in the system. XXXX is not showing the transaction from that card that was received. XXXX has bo record of that amount. Amazon has no clue and routes to speak with Synchrony and XXXX to find out issue and both XXXX and Synchrony also dont show the transaction. Transaction is on and or around XX/XX/2019. {$200.00}. Synchrony is charging me for a bill of over {$300.00} and I'm trying to resolve this but the Financial Institutions have no record of the transaction and I dont want this to affect my Credit At ALL if this does not get paid on time or in general.
Consumer complaint received 2019-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have filed a dispute with XXXX XXXX and the creditor has not provided any information to me to verify this account. I have reached out to them and gave them my name and social and they said I dont have a account with them.
Consumer complaint received 2019-12-01
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: U.S. BANCORP (MN)

ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.
Consumer complaint received 2019-12-01
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: PENTAGON FEDERAL CREDIT UNION (MN)

ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The Experian credit report supplied by Experian shows XXXX XXXX XXXX, Name ID # XXXX as a name included in my personal information. This person is not me. The name is not an alias for me. I have never used that name for any reason. 

In addition, there is an address in my personal information of XXXX  XXXX XXXX, NH XXXX. I have never lived at that address. 

The name XXXX XXXX XXXX, and the address XXXX XXXX XXXX, XXXX NH XXXX need to be removed from my credit report. 

In providing a copy of my credit report, the only recourse Experian offers to correct inaccurate information is to file a dispute of inaccurate information with your agency. 

Please assist me in removing this person 's name and address from my credit report.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

During the months of XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.
Consumer complaint received 2019-12-01
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. (FL)

This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
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: EQUIFAX, INC. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
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. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-12-01
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: EQUIFAX, INC. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.