davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
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. (TX)

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 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I called bank of america and let them know I had a credit card opened under my name without consent & also has {$300.00} removed out of my checking account to be used as a down payment on the credit card that was opened without my consent. They made a dispute and credited my {$300.00} back into my account, a few days later I got a notice in the mail saying my dispute wasnt accurate and that there was a misunderstanding and that those {$300.00} that are mine are being removed out of my account again, saying it was never mine which that is completely wrong they removed that money from my checkings account to use towards a credit card under my name that I never consented for.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

Account name XXXX XXXX XXXX XXXX ( PURCHASED AN ACCOUNT FROM " XXXX XXXX THAT HAD A FRAUDULENT ACCOUNT TAKE OVER WITH FRAUDULANT UNAUTHORIZED CHARGES A WHILE BACK " AND NOW HAS IT IN COLLECTIONS AFTER I REPORTED FRAUD AND THEFT TO XXXX XXXX MULTIPLE TIMES, I AM NOT RESPONSIBLE FOR ANY CHARGES AND WILL NOT PAY IT, THE ACCOUNT WAS STOLEN AND USED WITHOUT MY PERMISSION. IT IS IDENTITY THEFT, REMOVE IT! BELOW IS THE ONLY INFOR I FOUND! 

Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$710.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$710.00} ( FRAUD ) Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$710.00} ( FRAUD )
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Let me raise a concern about the discovery of unreliable information within my credit report, as a careful examination has revealed certain inaccuracies capable of negatively impacting the credit score.

Understanding the importance of consumer rights, it is essential for this concern to be addressed transparently and justly. My wish is to resolve this matter without resorting to more extreme measures. 

Your prompt attention to this matter would be highly appreciated. Please look at this as a sincere appeal from a client asking you to address the situation. Errors in credit reporting are not a simple problem, as they can significantly hurt an individual 's financial future. 

Mistakes are inevitable, yet when they occur, they can be harmful. Trust is placed in credit reporting agencies as credible and precise information providers. The violation of this trust is a concern with extensive implications. 

Consequently, it is hoped that this issue can be quickly and satisfactorily resolved, both for the personal benefit and the preservation of a dependable credit reporting system for all customers. 

Your time and anticipated cooperation are greatly appreciated. Eagerly awaiting a swift resolution to this matter.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account : 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 Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC (CA)

My credit report I recieved on XXXX XXXX, XXXX is showing on XX/XX/XXXX I opened an account for a auto loan for XXXX. I did not do this! I never agreed to this loan. And I never had a joint account for any of my car loans. Please take this off my credit report and whatever was charged off my bank account replaced. Thank you, XXXX XXXX
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NJ)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NJ)

On or about XXXX XXXX, I took my son XXXX to XXXX XXXX located at XXXX XXXX, XXXXXXXX XXXX  NJ XXXX for a XXXX XXXX I took my son toXXXX XXXX because his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX retired after takingall my children to him for approximately 30 years. Unfortunately, I was erroneouslyled to believe by XXXX XXXX that I would not receive a bill because they are in networkwith XXXX and they treat patients for urgent AND NON URGENT MATTERS. Sadly, XXXXXXXX XXXX is trying to be slick by INTENTIONALLY billing XXXX at an urgent care rateknowing that XXXX is not going to pay because a physical is not an urgent matter.XXXX  may have paid XXXX XXXX approximately {$60.00} IF, XXXXXXXX XXXX had billed themcorrectly because they are in network and have a contractually agreed upon setprice. XXXX is culpable too. XXXX is aware XXXX XXXX wrongdoing because I notifiedthem of the crime that XXXX XXXX committed to complain about the billing and XXXXTRIED to use an excuse by stating that XXXX XXXX  is an XXXX XXXX faculty. However, XXXX is INTENTIONALLY IGNORING the fact that XXXX XXXX treats urgent and NON -URGENT matters so they would not have to pay any bill. Therefore, XXXX shouldhave advised XXXX XXXX  to correct their erroneous billing and XXXX should have paidtheir contractually agreed upon set-rate of approximately {$60.00}. XXXXXXXX XXXX  is inNetwork with XXXX. A XXXX  IS NOT an urgent matter and XXXX XXXX DECEIVEDthe subscriber into believing that he would not be billed because XXXX XXXX treat/seesurgent and non-urgent patients and a XXXX is not an urgent matter, however XXXX is trying to be slick and deceive XXXX and the subscriber by billing XXXX as if XXXX is an urgent matter so that they increase their profits! This is criminal! Now, the FAKE bill has been sold to Simon 's Agency Inc., this is criminal!!
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I filed a Wells Fargo Visa credit card fraud claim for a {$250.00} charge made by " XXXX XXXX XXXX '' on XX/XX/23. I did not make that charge, and the credit card had been in my possession with no other fraud charges appearing on my bill. On XX/XX/XXXX, Wells Fargo denied my claim saying no fraud. XX/XX/XXXX I requested reconsideration and evidence of the transaction as I am absolutely sure that was never my charge. On XX/XX/XXXX, Wells Fargo provided a printout saying that my card was used at a retail location ( with no address ) using the tap feature, and since card had been in my possession, transaction was valid. After this I researched further via internet, the merchant does not actually exist in a retail location shown on the printout, nor does the merchant have a website. I called back Wells to say it would be impossible for my card to be used at a retail location for a store that does not exist, and that there is a fraud merchant involved here. On XX/XX/XXXX, Wells denied the claim again saying I am responsible. This does not make any sense as I have no history of making false fraud claims, nor any other fraud charges on my card and as soon as I saw the charge and filed the claim, the credit card number was changed to prevent any further problem. I am the victim of some sort of sophisticated merchant fraud that Wells is refusing to investigate further. I paid the $ due to prevent interest and delinquency, but I need my $ back as this is fraud.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (CA)

Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the instructions of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8600.00}
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

to Whom it may concern, In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXAccount # XXXX has violated my rights. 

In accordance with 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.
Consumer complaint received 2023-11-12
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CASHCALL, INC. (CA)

On XX/XX/2019, I contacted XXXX, a debt management service firm to assist with helping me to consolidate and settle debt payments. XXXX XXXX  has financed me in the amount of {$23000.00} with an annual percentage rate of 24.50 % for a total of {$49000.00}. I have made attempts to log into the accounts that I have with CashCall and XXXX XXXX XXXX, only not to be able to access these accounts at all because of name changes, portals no longer existing, etc. I have not received any correspondence regarding these changes, and since XX/XX/2019, I have been making payments in the amount of {$580.00}. I can not contact these companies to try to figure out what is going on or even to try to renegotiate anything. I have no idea at this point where my money is going. 

In addition, I also enrolled my husband in XXXX the following year, and he has been making payments in the amount of $ 639 monthly. 

Without being able to contact these companies, our money is just going out to places we have no idea about, and I am fearful we will keep paying in perpetuity to organizations that no longer exist. Can you please help us to rectify this matter, and if necessary, can we find a way to no longer pay these companies, especially if they are fraudulent and are no longer around? We have no idea what happened, as we have not received any correspondence regarding changes.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (TX)

I would like to stop receiving emails from XXXX XXXX who does not share how they they are in conjunction with LVNV. Please provide this information and please provide verification of debt. I have received XXXX emails since XX/XX/XXXX and about XXXX since XX/XX/22. I consider this harassment as they are also using multiple XXXX to reach out such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX who are constantly spamming me. They are using multiple LLCs or names so as to cause confusion. I also did not agree for debt to be collected by either LVNV OR XXXX XXXX or anyone else. They are also constantly threatening to return debt if unresolved when in fact I did not agree to work with them.I do not appreciate the threats and that is not how to go about this. Please explain why you felt the threats were necessary. They are soliciting me for money and quoted " It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party. '' Which means I would still owe the original creditor, please explain why I would pay this yet it would not affect the original creditor who I actually owe debt to. These are bad business practices that I would not like to be involved with at all and are causing me much harm. Please explain how it is valid to do all the above. I would like to close this debt account.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
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: CITIBANK, N.A. (NY)

I called Citibank regarding the hard inquiry on my account which I am not familiar with. They said I have to contact the credit Bureaus so that they can further assist me. I tried to obtain information from the account that was tried to be open and they refused to give me any information. Ive been contacting experian, XXXX and XXXX the whole month of XXXX and XXXX and experian were able to help me. XXXX is giving me an extreme hard time to remove any inquiries from my credit report although I keep emphasizing I am not familiar with the inquiry what so ever. Please help.
Consumer complaint received 2023-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately.

Certified Mail Receipt 01 :