davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

I am getting notices that they have updated the payment schedule for my loans. However, I received a letter dated XX/XX/year> that the loan from XXXX XXXX was eligible for full discharge and that the remaining balance on the loans were forgiven. 
Also the servicer would let me know about this refund. 

When I contact the servicer they just tell me to contact difference agencies. First the Treasury Department, which made no sense to me. Then when I called back with the same question, " when will my refund be issued '', they tell me that I have to call XXXX ; XXXX XXXX. 

I have been trying to get answers on this refund since XXXX  to no avail. Please help me if you can get to the bottom of my refund. 

Thank you.
Consumer complaint received 2024-01-02
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-17
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. (NY)

XXXX, XXXX and Equifax attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX  and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc. (GA)

I went to my in-network XXXX doctor, and he administered a test. Apparently, the company this test is associated with ( XXXX XXXX XXXX ) claims it is my responsibility to pay for the test. When I informed them that I use only in network providers and if I had been asked if I wanted to continue with the test being they would not be " in '' network then I certainly would not have. 
The lack of communication does not fall on the patient that is at their in-network provider. They need to have proper protocol in place. 
They insist on putting this on me. 
They forwarded this to a collection agency.
Consumer complaint received 2024-07-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My roommate of years was activateing my cards using them without my consent, I have sent in over 100 pages of documents stating the fraud did to me not only with this account but over 20 others. I've been asking for proof it was me and bank of America has not sent me one document from any merchant stating that it was me using my funds I did not give my roommate consent to use my credit or cards at any time, she new I have a kid with XXXX and I was saving for a car to get him to his much appointments. Please help me with this situation
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have contacted all parties ( credit card and credit bureaus ) that these accounts are not mine multiple times. The two accounts don't even have my correct address attached to them. 

XXXX  XXXX XXXX  has had a similar issue reported to the Supreme court in a lawsuit lawsuit against nine defendant banking and debt-collection institutions on XX/XX/, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally XXXX XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. 

I too am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. 

These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my report.
Consumer complaint received 2023-06-27
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. (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Well, I got a notice from XXXX XXXX that an account was opened in my name ( XXXX XXXX ) and I went to XXXX XXXX and was told that the account is with XXXX. I went to XXXX to dispute the account and was told to file a police report, I'm just trying to stop the fraudulent account and I just got hit for XXXX points for an account that I didn't opened.
Consumer complaint received 2023-06-20
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. (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.

The letters are stated with items and issues.

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 2024-07-23
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: Opportunity Financial, LLC (TX)

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX XXXX is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX  and say that they cant dispute it for fraud anymore.
Consumer complaint received 2024-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Formal Complaint Against Bank of America Dear Sir/Madam , I am writing to formally lodge a complaint against Bank of America and its representatives, based on the issues detailed in the attached document. The following points summarize the critical issues and grievances : 1. Due Process Violations and Obstruction of Justice : o The Philadelphia County Court failed to provide due process and obstructed justice by not issuing a judgment or providing notification regarding the motion for judgment that was denied by XXXX XXXX. Despite a certified copy of this motion being available, it was ignored by court officials. 
XXXX. Illegal Sheriff Sale : o An unauthorized sheriffs sale took place on XX/XX/XXXX, without a judgment order. This sale was conducted in contempt of court and violated the scheduling order for a trial pool in XX/XX/XXXX, entered by XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX. Unrecorded Supersedeas Payment Bond : o A supersedeas payment bond, valued at {>= $1,000,000}, was accepted and timestamped on XX/XX/XXXX, but was never recorded on the docket. This bond was intended to secure the estate and its properties. 
XXXX. Fraudulent Actions and Constitutional Violations : o Numerous fraudulent activities were carried out by Bank of America, including a forged deed transfer on XX/XX/XXXX, without the approval of the mortgager, XXXX XXXX XXXX. This deed was accepted by the County of Philadelphia Deed of Records Office despite the lack of a notary stamp or seal. 
o On XX/XX/XXXX, XXXX Police and Sheriff 's officers forcibly removed my family and me from our property without a court order, violating our constitutional rights under the Fifth and Sixth Amendments. 
XXXX. Violation of Judge 's Orders : XXXX Bank of America and its representatives ignored multiple court orders, including the trial pool scheduled for XX/XX/XXXX by XXXX XXXX XXXX and the case management order by Judge XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. Unchallenged Damages and Non-Compliance : o During a conference on XX/XX/XXXX, damages were presented and agreed upon by Bank of America 's representatives. However, these damages remain unchallenged and unpaid to date. 
XXXX. Threats and Intimidation : o On XX/XX/XXXX, my family and I were threatened and intimidated by armed individuals dressed in XXXX Police and Sheriff 's uniforms, demanding we vacate our property. This occurred despite the ongoing federal appeals process. 
I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters. Bank of America 's actions have resulted in significant financial loss, emotional distress, and a violation of our constitutional rights. I seek restitution for the damages and penalties outlined in the attached document. 
Enclosed with this letter is the detailed case document for your review. I appreciate your prompt attention to this serious matter.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MD)

On Saturday XX/XX/XXXX at XXXX. I filed two dispute with Chime bank. Dispute # XXXX for {$2500.00} and Dispute # XXXX for {$2500.00}. 

These disputes were filed due to services not received and incorrect billing due to a merchant error. 

I provided several information to Chime to prove that I contacted the merchant several times and they would refused to correct any error made on their part. 

Chime bank has communicated with me within the last week and has made several errors in the investigation process. 
These errors include : -Listing the incorrect dispute amounts -Stating to me that my money would be refunded to me on dates before the investigation was started -Not providing any information to determine how they made their decision. 

Today, XX/XX/XXXX, I received an email stating that no error has occured and that the claim was closed. The email also had incorrection information, for example, the amount disputed was incorrect. 

According to XXXX and XXXX XXXX, Chime is FDIC insured. 

I will be contacting my lawyer today and starting the arbitration process with Chime as soon as possible, as this investigation was not done correct and Chime customer service has made multiple errors in communication.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX XXXX  and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.
Consumer complaint received 2022-08-29
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card account XXXX XXXX XXXX opened XX/XX/year> account number XXXX in the amount of XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I just recently checked my XXXX and Transunion credit reports and It shows some unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately.
Consumer complaint received 2024-05-21
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. (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card account XXXX XXXX XXXX opened XX/XX/2022 account number XXXX in the amount of XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )