davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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  Status : Not Reported Collection/Chargeoff - Balance : {$220.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : - [ ] A copy of my credit report I received from your company. The fraudulent items are listed above. 
- [ ] Copies of my debt validation letters to XXXX, XXXX, and XXXX XXXXXXXX XXXX - [ ] A copy of my Identity Theft Report and proof of my identity. 
- [ ] A copy of my Social security Card - [ ] A copy of my Police Report - [ ] A copy of XXXX XXXX XXXX account validation response - [ ] A copy of XXXX  account validation response - [ ] A copy of XXXX XXXX  account validation letter from original creditor XXXX XXXX  validation response - [ ] A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Processing Services, LLC (LA)

On XX/XX/XXXX at approximately XXXX, a man called from XXXX to tell me that he was offering me a settlement on a loan. I called him back and asked who the loan was from and when, but he just said it was " a personal installment loan company '', then kept reading some kind of script. He initially sounded like said he was with XXXX XXXX XXXX and that Global Processing Services him enlisted to mediate a settlement in the amount of {$370.00} plus a {$13.00} processing fee. I asked for documentation. He said that in XXXX, they sent a letter to me at an address I haven't lived at, in a state I haven't lived in, since XXXX. He said it was charged off in XXXX. He said if it went to court it my wages would be garnished, so give him a credit card today for the {$370.00} and that since the creditor sent the letter to the wrong address, he would waive the {$13.00} fee. I told him I had to wait until XXXX, and he said he had to take a card number but settled for the last four digits ( which I will be getting another card now ). He put me on hold for some kind of verifier to talk to me. During that time, I called XXXX XXXX 's office from a different phone and the receptionist stated that I was not in their system for any mediation, then the verifier got on the phone and stated his name is XXXX XXXX, I asked the receptionist if he worked there, and she said no and not to give them any more information. I told the man that I didn't believe that they were legit and hung up. XXXX called me right back from XXXX saying he got a message that I ended the call ( but he called way too quickly to have gotten a message ) and I told him about my call. He then said he was XXXX XXXX and that he was with Global Processing Services. I asked him for a verification letter to be sent to me, he said I couldn't have it until I paid. He said he did an NCIC search on me ( yet they still had a XXXX XXXX XXXX address for me ). Then he said since they sent me a letter ( to a very old address, my address is current on my CRs ) and I refused to cooperate, now {$1800.00} will be put on my credit and that I can either dispute it, pay it, or have my wages garnished. I told him if the debt is legitimately mine then I want to pay it, but I need to see the docs. He screamed at me " do you want to do this or not ''. I told him he could speak with a bully voice all he wanted but I have a right to see the letter. He said something and hung up on me. XXXX XXXX XXXX XXXX 's live chat agent stated that they believe this company to be a scam and suggested that I report this to Consumer Finance.
Consumer complaint received 2023-05-25
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)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$5500.00}
Consumer complaint received 2023-07-12
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (LA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/2023 I received a notice in the mail from Bank of America stating an account was open in my name account number XXXX. This action was erroneous and I immediately called to get this account closed. The representative ensured me that the account was closed. I then proceeded to contact the credit bureaus to freeze my credit report. I also contacted XXXX to freeze my account with them. In XX/XX/2023 I received a notice in the mail from Bank of America along with a debit card stating my account was open XXXX. I attempted a gain to get this account closed. I receive a notice dated XX/XX/2023 stated that Bank of America will close the account ending in XXXX because they cant verify my identity. I have gotten XXXX account statements with this account number for XXXX and XXXX. At this point I do not know what to do. I have not now or ever attempted to open an account with Bank of America. Please help with getting this resolved
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (VA)

I have 2 CFPB complaints for XXXX XXXX and XXXX  That has not completed there investigation. According to us code 15 1681. these should be deleted immediately. 

Complaint XXXX During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX ) XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 XXXX XXXX XXXX XXXX XXXX XXXX 

Complaint XXXX - During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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. (SC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Consumer complaint received 2023-05-25
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. (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 items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX transunion XXXX not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report it
Consumer complaint received 2023-06-15
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-24
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I received an email that said I had a credit card on the way from Best Buy XXXX. Looking further into email, I found a duplicate receipt was emailed to me on XX/XX/XXXX with a purchase of an XXXX XXXX and an XXXX XXXX, totaling {$1700.00}. As I didn't initiate this credit card application, nor did I make those purchases, I called Best Buy Credit on XX/XX/XXXX to open a case. As it was the weekend, all they could do was close the account, but couldn't put me in contact with their security operations department to open a case. I called again later in the week and answered some questions they asked me to initiate the case. They told me it could take up to 90 days to complete the investigation. Shortly thereafter, I received the credit card in the mail. 

Meanwhile, I also filed a complaint with my local police department, XXXX XXXX police XXXX XXXX XXXX was updated with this fraudulent account ( as this was the second account opened fraudulently within a week, and I had already opened a complaint with them for the first. XXXX on the first XXXX is under CFPB Complaint ID XXXX. ) I also put a credit freeze with all XXXX credit bureaus at this time. 

I just called Best Buy XXXX for an update, and they said this is still under investigation.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (PA)

I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. Advertised variable APRs at that time were 19.74 %, 24.74 %, and 29.74 % based on your creditworthiness. 
I was approved for the card within seconds and received an email indicating my APR would be 24.74 % after the 0 % promotional rate expired. I reached out to the company the following morning and after going through 4 people I was told that someone who handles customer complaints would get back to me. 
I received a voicemail from XXXX to call them back on XX/XX/XXXX. I called back and she just explained the same terms and conditions I already knew. I explained that I wanted to know why I was only qualifying for the mid-tier APR when I have an exceptional credit score. She said that they use information from credit reports obtained by XXXX to determine the rates. I said that I would like to speak to someone above her regarding the matter and eventually spoke to her manager on XX/XX/XXXX. She said that they would submit my application for further review and have an answer to me in 24-48 hours. I received a follow up call later that day from XXXX XXXX in which she just repeated back to me what had been discussed on the prior phone call. 
After no contact the following week, I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX looking for an update. I received a call back from XXXX manager on XX/XX/XXXX indicating that the review can take up to 10 business days someone will be in contact with me by the following Friday. 
I received a call today ( XX/XX/XXXX ) from XXXX in which she stated that my interest rate would remain the same. I asked what my credit score was supplied to them on the day I applied for the card and was told it was XXXX. I indicated multiple times that they appear to be advertising false APRs because if people with exceptional credit do not qualify for the top-tier APR, who does? She said the decision is based upon information obtained from my credit report. I asked her to provide the specific reason that I was denied the better rate. I was told that I would need to contact XXXX to review my credit report. 
I had already checked my XXXX credit score myself on XX/XX/XXXX and it was XXXX. There is no negative information on my report that would disqualify me from a better rate. 
I also asked XXXX to supply me with the percentage of applicants that qualify for the 19.74 % APR, but was told that she didnt have that information.
Consumer complaint received 2023-07-12
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. (TX)

This is my 3rd attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed account was reporting to my credit file held with 3 Credit Bureaus. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA Section 605b. They have failed to correct the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need this account to be corrected from my report ASAP : XXXX XXXX XXXX XXXX Opened XX/XX/2020 Balance : {$10000.00}.
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I have been trying for the past two days to get my money out of Paypal. A friend sent me a few XXXX dollars to help me out and PayPal decided hold the money. I was patient for two days. Now the clock is ticking and I could lose everything because they wont release MY MONEY. And, of course, its not allowing me to verify my identity. I uploaded the front and back of my card and then it wont let me take the picture of myself. This is absolutely unfair and traumatizing.
Consumer complaint received 2023-07-12
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Consumer complaint received 2023-08-24
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: TRANSWORLD SYSTEMS INC (AL)

Company is in violation of 15 USC 1692 ( d ) ( a ) ( I ), and 15 USC 1681 ( 2 ) ( 4 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Without limiting the general application of the foregoing, the following conduct is a violation as furnishing information has and is causing me to be oppressed.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Furnishing of a consumers credit report to order CRAs and without permissible purposes, and without my written unlawfully would make companies liable of criminal means which is proof of causing harm to my reputation which is unlawful.
Consumer complaint received 2018-03-23
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. (LA)

I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

I REQUEST THAT LexisNexis, Suppress my public and personal data from their services online and delete and or remove court and criminal information due to ID THEFT. AND FRAUDULENT INFORMATION THAT THEY HAVE IN MY GOOD NAME. AND THEIR AFFILIATES, SUCH AS CLUE, CHOICE POINT AS WELL AS SAGE REPORTING AGENCIES. 
IT IS MY RIGHT TO CHOOSE TO OPT-OUT OF THE SAID ABOVE COMPANY SERVICE 'S. 
I HAVE SENT MY IDENTIFICATION TO LexisNexis on five occasions and they continue to request my ID 'S over again and again for my LexisNexis consumer reports. 
The court records and insurance claims are false, that the said above consumer reporting agencies carry in their data systems in my good name causing liability damages to me and my family.