davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: William C. Grossman Law, PLLC. (NY)

the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

I had a checking account and a savings account at metro credit union. XXXX XXXX XXXX is a member only bank. Not just anyone can open up an account the only way to do so is to add my ex boyfriend to My ex boyfriend to my savings account only so he would be able to open a checking account of his own. XXXX XXXX stated that he could open one and be a member if he was put on my savings. So thats exactly what we did. They never once mentioned that I would be responsible for any negativity on his accounts or loans. Eventually I wasnt with this exboyfriend anymore. I have an account from XXXX XXXX XXXX reported on my Experian credit report for {$2500.00}. I have no idea what this is or what it was for. It does have my account listed however. I have never recieved a bill for this. The credit report says its an installement loan. At that time I had direct deposit into my checking account. The bank however did tell me that I was unable to remove him off of my account because he had a negative balance on his checking account and even though he was on my savings that meant he was on my checking account as well even though he wasnt suppose to have his name on my checking account. The bank was going to take my money from me even if he had a loan that I had nothing to do with or even if he had a negative balance in his account all because he was on my savings account. I have no memory of this loan I have never seen paperwork with my signature saying i authorize this loan or that I would be responsible for this loan or even his loans. We were never married. I was not on his personal checking or savings account. This balance doesnt belong to me. I have tried to dispute it but I dont feel they actually did a investigation because if they did this item wouldnt be on my report right now. the amount is {$2500.00} and it says the account was opened on XX/XX/XXXX according to my experian credit report.
Consumer complaint received 2024-09-02
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. (CT)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2020-06-29
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

Company attempts to collect money as a debt collector without being a secured party creditor, a violation of federal and state law. 

Agent sends erroneous validation of debt letter unsigned, this act is fraud. 

Communication letter misidentified the company legal name, an act of fraud. 

The agent and ceo wont respond to my three communications each, a non response equates to fraud. 

Alleged debt is reported to credit agencies causing actual harm, no contract no case. 

Alledged original creditor XXXX, XXXX not registered to do business in State of Florida during the time periods stated.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: PNC Bank N.A. (PA)

I accidently gave out personal information to some 1 in XXXX and PNC had to close my account 4 fraud. I tried closing my account back on XX/XX/2020 and they wouldn't let me. I've gone into PNC a few more times since and now they are telling me that i have to wait 90 days for me filing disputes.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NV)

I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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/year>
Consumer complaint received 2024-08-18
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. (OH)

30 days ago I disputed a XXXX XXXX account that is hurting my Experian credit report I got a answer from Experian and they said that they had verified the account belong to me I don't believe it does because it is attached to a address that I have never lived at a address that I also disputed
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tri-Counties Accounts Adjustment Bureau (CA)

When I first did my research about this case ( that is already affecting my credit ), I decided not to send any complaint ; but right now, I have decided to do all that I need to do to solve this. 

Account Recovery Services is committing so many violations to my consumer rights. I am complaining about the following account : # XXXX, opened date reported : XX/XX/2016, original balance : {$8400.00}. 

Violations of the Fair Credit Reporting Act : - Reporting an incorrect opening date. 
- Missing date of last payment. 
- Failing to register company in the California Secretary of State. 
- Unfair business practices. 
- Negligence. 
- Breach of contract. 

All I am asking is to take this case in serious consideration, and remove the item from my report. 

CFPB : Please take the attached documents to Account Recovery Services. 

Thank you so much.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 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 2020-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CT)

My problem is with Experian. I noticed a XXXX point drop in score with Experian to XXXX. 
XXXX reports my score at XXXX and XXXX at XXXX as of XXXX/XXXX/16. 
I requested and paid for copies of all XXXX. 
The Experian report shows a " Serious Delinquency or Derogatory Indicator '' hurting my score by ( XXXX ) account. After talking via phone with NUMEROUS people and departments, NO ONE can tell me any further information- they say my report shows no late payments and can not give me any further info on a " Derogatory Indicator ''. 
They are saying " case closed ''!! 
I am SO frustrated!!!! 
Do not know what to do next nor can I dispute something that I do n't know who from. 
Can you give me any recommendation as to handle further.
Consumer complaint received 2015-04-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

Current Mortgage Lender advertised a fixed loan rate on web site. We submitted a request for refinance analysis. Mortgage consultant contacted us, quoted even lower interest rate than advertised on web site. Confirmed our good credit rating ( we stated rating of XXXX, actual rating of XXXX ). Consultant requested we submit on-line application. We completed, and received finalization call-back from consultant. Rate increased from 3.75 % on 15-year fixed ( verbal quote ) to 4.25 %. Current rate as advertised on web-site prior to call was 3.875 % ( when we requested contact for analysis ). Rate today ( XXXX/XXXX/2015 ) on website for 15-year fixed refinance loan is 3.25 %. Concern over deceptive advertising ( bait & switch ).
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc., and XXXX copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

On Monday, XX/XX/XXXX, I logged into my account for a routine balance check and found that my account was overdrawn over the weekend. Reviewing the transactions, I found that there were 10 fraudulent transactions made on my account to a grocery store named XXXX. All of these transactions were made for about {$200.00} ; five of the transactions were made for the same amount {$190.00}. 

I XXXX  XXXX and found that it was a grocery store in the XXXX region of the United States and live on the XXXX XXXX. 

I immediately disputed the transactions. I was awarded provisional credits for all of the transactions on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account, again for a routine matter, and found that it was overdrawn again because the provisional credits were overturned. I immediately called and was informed that because I didn't dispute a separate transaction from this retailer on XX/XX/XXXX which I was unaware of, the other transactions were found to be credible. 

In total these fraudulent transactions totaled {$1800.00} and wiped out my account twice. 

It was obvious to me and anyone that I explained the situation too, including the customer representatives on the phone that it was fraud. However, the unnamed powers that be decided it was not. 

This is the only bank account I have. My other accounts are with credit unions. I definitely makes me leery of doing business with any bank in the future. 

I can not understand how this can happen. It seems absolutely ridiculous and unreasonable, but it happened. I am so disappointed.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-18
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. (AZ)

Urgent Request for Removal of Fraudulent Accounts Dear Experian Team, I am writing to inform you of fraudulent accounts that have been reported under my name and social security number, which I did not authorize. These accounts were created without my consent, and I am requesting their immediate removal from my credit report. 

**Fraudulent Accounts : ** XXXX. [ XXXX XXXX XXXX XXXX XXXX  ] XXXX XXXX. [ XXXX XXXX XXXX XXXX ] XXXX As a consumer, I am protected under the

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), which mandates that financial institutions and credit reporting agencies safeguard my personal information and ensure that it is not misused or disclosed without proper authorization. The presence of these fraudulent accounts on my credit report is a direct violation of these protections. I demand that Experian : 1. **Remove the fraudulent accounts immediately. ** 2. **Cease the sharing of my personal information related to these accounts. ** 3. **Provide me with a copy of my updated credit report reflecting the removal of these accounts. ** Attached to this letter, you will find relevant documentation supporting my claim, including a Federal Trade Commission ( FTC ) Identity Theft Report, and any other necessary forms.

I also request that you investigate how these accounts were added to my credit file and take the necessary steps to prevent any further unauthorized use of my information.

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I expect a prompt investigation and resolution of this matter. Please confirm in writing that these accounts have been removed and provide a detailed explanation of the actions taken.

Thank you for your immediate attention to this urgent matter.

Sincerely, XXXX XXXX