davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NJ)

I opened an acct with BMO bank and made two large deposits of funds from a lawsuit that was settled. One was a wire for close to $ XXXX and the other was a check for around $ XXXX. My account was closed and funds are being held for suspected fraud. Im being treated as if I did something wrong when I even had my other bank confirm that the wired funds were verified and came from a settlement. They refuse to help in any way with getting me my money back when they have no legal grounds to hold it.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Long story short, a scammer gained access to my account and started reversing a bunch of loan payments I made claiming to be me. Ive tried to get this sorted out with the bank but they are no help saying they cant do anything except have the collections department look into setting up a payment plan after my account has been overdrawn for XXXX XXXXays. 

Needless to say the timing couldnt be worse when Im a full time freelancer about to go on a vacation that I booked months ago and have rent, car insurance and car payment all due/happening in the next week or so. I have no problem paying these funds back on a payment schedule, but I cant live in a world where I just got paid over {$2400.00} today and Im still {$700.00} overdrawn. All of this while each department of the bank is telling me they cant do anything to help me.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

The calls from Portfolio Recovery are not only XXXX  and unnecessary but disruptive and costly. In a single day alone I receive a minimum of XXXX calls per day that begin as early as XXXX ( as they did on XXXX  XX/XX/year> ) and as late as XXXX ( as on XXXX  XX/XX/year> ). This is the minimum, unlike the most calls, which was XXXX on XXXX  XX/XX/year>. 

On XXXX separate occasions ( XX/XX/year> & XX/XX/year> & XX/XX/year> ) I have contacted them to ask them to stop calling me and was met with snide remarks or was hung up on but the calls have not stopped. My attempts to block their numbers have been futile as I have received calls from now more than XXXX different phone numbers from them. 

They also are not reflected on my credit report as the company they claim to be representing. This feels like a violation of privacy, violation of confidentiality, breech of terms, and not to mention the constant calls draining my phones battery, interrupting important life events, and causing an overall decline to my XXXX  and XXXX.
Consumer complaint received 2023-11-14
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)

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 2024-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I paid my past due balance in full XX/XX/year> directly to the original creditor, XXXX  XXXX XXXX XXXX in the amount of {$70.00}. IC Systems proceeded to report me to XXXX on XX/XX/year> which is a direct violation as this debt has been paid in full.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

It can to my attention that my information was fraudulently used as a co-sign for an auto loan with Santander. I did not co-sign, I did not give my authorization for this co-sign. I requested the documentation from the company multiple times but have gotten the run around.
Consumer complaint received 2024-06-04
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. (PR)

Under the Fair Credit Reporting Act XXXX Account # XXXX / XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also establishes a The consumer reporting agency can not provide an account without my written instructions.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DIGITAL FEDERAL CREDIT UNION (MA)

Commencing on or about XX/XX/2023, I fell victim to multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

On Friday, XXXX XXXX XXXX, I received a call with an automated message to call Receivable Management , a Debt Collector. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (FL)

I am writing to express my concerns regarding the sharing of my personal information in accordance with 15 U.S.C. 6802 ( b ), which provides consumers the right to opt-out of information sharing with third-party entities. I did not receive any documentation or notification giving me the opportunity to opt-out or to understand how my information may be shared.

Moreover, I must inform you that if any inaccurate information remains on my credit report as a result of this sharing, I reserve the right to seek monetary compensation for any damages incurred, including potential impacts on my credit score and financial consequences.

Please acknowledge receipt of this letter and provide me with the necessary documentation regarding my opt-out rights and the sharing of my information.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-08-08
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Collection agency alleges that the deceased debtor incurred charges with XXXX XXXX XXXX after his death and refuses to provide documentation after numerous requests ( see attached ). It appears that this collection attempt may be a scam targeting estates of deceased individuals
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX*Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$650.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX CreditXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
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. (MO)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (NC)

This concerns PNC Bank in XXXX NC. I deposited XXXX on Sunday XX/XX/2019, at a local branch ATM. The ATM malfunctioned and kept my XXXX bucks but didnt credit to my account. Of course first thing after I contacted PNC customer service. They filed a dispute as this is the procedure in order to have missing money returned to the customer. This so called dispute procedure takes 10 days according to the policy in place. I just got the news my dispute has been denied. So in other words they kept my money. Understand that machine malfunctioned and it was indeed in need of major repairs. Yet and still I was denied my own money that was literally stolen from me via PNC ATM machine. This is not only ridiculous but shows what kind of company PNC really is. I just want my money back ASAP
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NC)

I believe the account is invalid. SUNRISE CREDIT SERVICES , INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. XXXX XXXX
Consumer complaint received 2024-08-08
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-08-08
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

Hello- A few months ago, I received a mail-in promo to open a checking account at M & T Bank XXXX I opened an account in person with a {$400.00} promotional credit if there were {$500.00} or more of direct deposits within the first 90 days of account opening. I met the terms and my banker confirmed I would receive the bonus over email. The bonus was never eventually paid. I have followed up XXXX or XXXX times to no resolution. I have all the original documentation on the promotion, account opening, and emails confirming I did everything as needed. I am at a loss for why they are not honoring it.
Consumer complaint received 2024-08-08
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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 (MO)

Portfolio Recovery, they are reporting inaccurate information on my credit. The have sent letters asking for verification the debt is mine and just get papers mailed back with dates and money owed. No contract or anything with my signature showing this debt is mine. They have called me multiple times even after advising them to stop calling me and have had to block multiple numbers from them. I only know its them because it shows up as Portfolio Recovery when they call. They are refusing to remove this from my credit and keeps sending information to credit bureaus saying this debt is accurate but they cant provide valid proof. The original creditor was XXXX XXXX  and I have never had anything with them nor can anyone provide proof.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

This is part of Employment Scam. A person named XXXX XXXX reached out with a Remote Data Entry Clerk Role at XXXX XXXX XXXX XXXX XXXX saying I was offered the job. She sent a cheque of XXXX saying that it was for sign in bonus. After that, she asked to wire transfer {$2000.00} for equipment purchase on XX/XX/year>. Believing it as true, I sent the money. She immediately asked for {$2000.00} more- which is when I figured out that this is a fraudulent activity. I immediately reached out to my Chase bank to do a Wire Transfer Recall. The claim is still in progress with Chase and they are waiting for XXXX XXXX to take respond. XXXX XXXX claims that this is a 17 digit number and an invalid number. Please help me in this.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XXXX of XXXX I made a purchase that was to be XXXX interest for XXXX months. XXXX I received a notice that I was being charged interest and they will stop charging me interest now. No interest was refunded back to me and when I spoke to someone they said I will be refunded and credited in XXXX. this is a problem for me I have made large payments to get balance gone and I knew something wasn't right. For them to not even attempt to refund me shows fraudulence. I know how banking works. They use our money to continue to make money. So basically you had me paying you well over for a year and than want to continue to use my money until XXXX. It do not take that long to do a refund and a credit for buy inconvenience, I have never paid late and this is beyond just returning my money to me. This is fraud activity and this bank is not to be trusted