davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a notice via mail service asking for immediate action- it was a reminder to " Cash My Refund Check. '' I called to inquire since I never received a check. I was bounced around to various departments each time I called. I finally spoke to someone who graciously created an escalation request to look into this. I was then transferred again, spoke with someone who confirmed this refund was legitimate. She committed to someone who would contact me within XXXX days. I never received the call, email or by any form of communication. I called again since this refund check had an expiration date. The person I spoke with indicated there was no request for someone to contact me or this matter. So, they claimed to create another request but, nothing occurred. I called back again to receive yet the same information. They transferred me again, and the person had no idea what I was talking about and would have someone contact me and I never heard from anyone -- to this day. This started in early XXXX! My worst experience with any company and this was 'TransUnion. ' Now the legitimate refund check has now expired. I was told the refund was due to a monthly subscription for online services regarding my Credit Report and other services to which I was not receiving, but I was charged for it. Thank you!
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; and my deceased mother, XXXX XXXX, and I are the victims of identity theft of over {$400000.00} in wire fraud through BOA and XXXX XXXX XXXX XXXX by a XXXX XXXX XXXX and partners, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. I have fourteen cell phones and ten laptops containing XXXX 's split-screen over-lay algorithms and malware for the BOA and others which I repeatedly reported when filing claims for identity theft and fake companies using my debit card. BOA lax investigations accepted fraudulent documents with forged signatures, fake statements, and approved the transactions. I was never contacted by investigators, not allowed to speak with the BOA legal department, and never permitted to present evidentury materials during any of the investigations. I posess a surname list containing thousands of XXXX 's FL victims and proof of a national identity theft syndicate/ring using malware on U.S. banking institutions. I am seeking representation for a case that will prove FDIC fraud and support a class action lawsuit with the proper forensic analysis of my claim. Please contact me for additional information. BOA is abusing their clients, committing FDIC insurance fraud, and allowing identity theft due to lax investigations! Please contact me, XXXX XXXX, XXXX.
Consumer complaint received 2024-08-23
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. (MI)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-29
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)

I would like you to conduct an investigation for me to make certain that everything is accurate. 
1 ) XXXX XXXX XXXX  account number is XXXX - - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for 15 USC 1681e ( b ).
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting
Consumer complaint received 2024-08-25
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. (TX)

i recently looked at my credit report XX/XX/XXXX from experian. I saw some hard inquiries that i did not have permissible purpose. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 168 1b
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (FL)

The company involved here is Ditech Financial LLC, previously known as Greentree Financial. 
On XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. 
About a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. 
This XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX I started an ACH Transfer from my bank accoun in XXXX to my girl PNC Bank for {$600.00}, same day they rejected it and charged me {$25.00} overdraft fee for a automatic payment I was not expecting, even when we supposed to have a overdraft protection. I deposited {$450.00} and my girl write a check from XXXX because we join that bank account to be deposited in PNC again, in her bank account for {$570.00} on XX/XX/XXXX and it was rejected the same day even when the money was available. On XX/XX/XXXX, the banck charged us the same check and the same ACH transfer agian, my girl received {$570.00} from the check but not the ACH transfer and they charged us {$25.00} dollars again for overdraft. I went to XXXX branch, explain what was happening and they told that it was to late stop the transaction, they reversed me the {$25.00} over draft fee and requested to remove that over draft protection it was not covering any over draft but I already wrote 3 checks, 1 for {$100.00}, 1 for {$150.00} and the last one {$200.00}, the 2 first ones was rejected and I eceived again two over draft fees for {$25.00} each one. After 7 business day, today XX/XX/XXXX we still waiting the {$600.00} in my girl bank account or reversed in our bank account in XXXX. They told us that PNC bank have the money, sent me a proof that the money was sent it. We went there and they said they don't have that transaction on their records, so now XXXX and PNC are traying to pass their responsability and nobody know where is my money. I am receiving late fees because I couldn't pay my bills plus the overdraft I am receiving so I don't know what to do. Please hlep us!
Consumer complaint received 2024-11-13
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-29
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)

I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX ) XXXX  XXXX account : XXXX * XXXX ) XXXX  account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX ) XXXX XXXX account XXXX ******* XXXX ) ** XXXX XXXX XXXX account XXXX XXXX ) XXXX account XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, Date of Last Activity and Date *** Reported is not accurate. And because not accurate with the FAIR CREDIT REPORTING you can not post on my credit report.

*** DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] TreatmenXXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (TX)

i recently looked at my credit report XX/XX/XXXX from experian. I saw some hard inquiries that i did not have permissible purpose. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 168 1b
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Each of these companies reported a charged off on my credit report since the respective dates shown below, however, they have each failed to provide me with a XXXX for my own filing. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month of my credit report. They last verified it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month on my credit report. They last verified it on XX/XX/XXXX. 

The XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date account closed : XX/XX/XXXX. 
XXXX owed = {$XXXX} Actions taken by the company : They continue to report it every month on my credit report which was verified on XX/XX/XXXX. Even though it was last verified since XXXX, it continue to show on my credit report.
Consumer complaint received 2024-09-29
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I had XXXX XXXX in XX/XX/XXXX, I bought a house and was moving out of XXXX XXXX XXXX XXXX XXXX mi I called and requested disconnection I was told to place the equipment in the XXXX XXXXXXXX XXXX and I thought I was disconnection I moved 4 days later my Old neighbors called me and let me know they never got the box so I did go get the equipment I went with another cable service turns out they never disconnected the service so I had a bill for XX/XX/XXXX Thur XX/XX/XXXX charging me over XXXX dollars and I did talk to XXXX again today and again they said they will send another XXXX XXXX XXXX for the equipment to be returned yet again but I will drop off at XXXX XXXX myself but I still have a out standing bill for service not only did I disconnect but charges for a home I moved from over XXXX months earlier. And what make it even worse in XXXX a sales man from XXXX came to my new place tried to sell me XXXX XXXX I explain why I didnt want to go with XXXX and he told me if I go back to XXXX he will get all charges waived so I did to put it be hide me and again that didnt happen I am still with wow for Internet so they took avange twice please help
Consumer complaint received 2024-09-29
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-29
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. (CA)

sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, Experian and XXXX. They ( XXXX XXXX XXXX XXXX  received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : XXXX
Consumer complaint received 2024-09-29
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. (NY)

I am writing to request the removal of an invalid XXXX account from my credit report and from XXXX XXXX  records. I opened a XXXX account between XXXX XXXX XXXX, when I was a minor, born on XX/XX/year>. As I was underage at the time, the contract for this account should be considered invalid. 

I have contacted both XXXX and Experian to dispute this issue, but they have not taken action to resolve it. Meanwhile, XXXX and XXXX have already removed this account from my credit report.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a XXXX XXXX XXXX loan reporting incorrectly on my credit. The account was paid in full and the account is closed .. Its still reporting as open with a balance and I will like it to be updated correctly or deleted from my credit profile due to my rights of fcra.. I will be submitting proof account was paid in full
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Inaccurate names reported on consumer report : A XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate addresses reported on consumer report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On my credit report there is incorrect address information listed as I never lived at any of these addresses. The incorrect addresses listed on my credit bureau are listed below : XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX Florida XXXX