davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CVB FINANCIAL CORP. (CA)

Good Morning.. my dears at Consumer Financial Protection Bureau.. greeting On or Around XX/XX/XXXX I contacted Citizens Business Bank Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX XXXX To Open Account for Me, And Add the funds obtained From processing my judgement XXXX, No reply Received from Citizens Business Bank until today 's date.
Consumer complaint received 2023-04-14
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)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-13
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. (FL)

They are Illegally Violating my rights by reporting a Bankruptcy that they have yet to provide how they verified. This is causing harm to my report and hindering me from providing my child with the best life.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (GA)

The choices for this complaint do not contain options on how to accurately report this complaint. That being said, I have recently started making monthly payments on my Military Star Card account that went into collections and is managed by XXXX XXXX XXXX. Each payment is for {$50.00} a month but it is being reported either by Military Star Card or XXXX XXXX XXXX that I'm only making {$48.00} payments. Furthermore, the balance on account statements do not match verbal balance statements that XXXXXXXX XXXX XXXX claims I owe on the Military Star Card and repeatedly states it does not own the debt and only Military Star Card reports on the card while Military Star Card says it does not manage the debt and can not control what XXXX XXXX XXXX does when I've attempted multiple time to ask about how my payments were being applied and why they are asking for hundreds more verbally than what they report on my statements that I owe. I need a complete and accurate balance for my account with a clear listing and explanation of all charges on the account and why the full amount of my payments are not going towards the account.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (TX)

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-25
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: EQUIFAX, INC. (TX)

Something is showing on my credit report that does n't even report a name of a company. It 's showing as Not Reported. How can that be? How can that be considered validated or even verified? I really need help I have tried to dispute it with Equifax but no luck getting it resolved.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so | May review to see if this is actually an account that belongs to me Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-05-16
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. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research about these items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}, XXXX XXXX  XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2017-10-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX : {$160.00} XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off SYNCB PAYPAL I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

Please find below my transactions using Synchrony XXXX Credit card. 

Date PromoRate Amount XX/XX/XXXX 0 % XXXX XXXX XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XXXX XXXX I made automatic payments to my account and continue to do until this afternoon. When my balance for my account reached XXXX, they added an interest of {$740.00} to my account claiming that I did not pay the balance at the end of the promotional period. As file this complaint to continue to add an interest of $ XXXX my account on a monthly basis. 
I have been on the phone with their customer service for over 20 times since finding out that they had recalculated my interest without any notice. 

Until i found out that they added {$740.00} as interest to my account, I did not receive a single notice from them. No bills, no notice indicating that my promotional period was ending either. 

This institution is not reputable and their customer service acts clueless when contacted on the phone in a bid to resolve issues.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have several accounts on all three of my credit reports from XXXX XXXX XXXX XXXX XXXX that all show my accounts are managed by a debt management company and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several accounts on all three of my credit reports from XXXX XXXX XXXX XXXX XXXX that all show my accounts are managed by a debt management company and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.
Consumer complaint received 2023-05-17
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. (NJ)

I am filing a complaint to dispute several accounts that appear on my credit report, which I believe to be inaccurate and not associated with me. Despite my multiple attempts to rectify this issue through your bureau, as well as with the respective creditors and the Federal Trade Commission ( FTC ) website, the inaccurate information still remains on my credit report. I kindly request your assistance in addressing this matter promptly. I kindly request your immediate attention and assistance in resolving this issue. First and foremost, I would like to emphasize that the disputed accounts listed on my credit report, identified below, are not mine : XXXX ( XXXX ), XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ( XXXX ), XXXX BANK XXXX ( XXXX ), XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX  ( XXXX ), and XXXX ( XXXX ). Despite my diligent efforts to rectify this error, the inaccurate information persists on my credit report, negatively impacting my financial standing and potential opportunities. I have taken the necessary steps to dispute these accounts by sending letters via certified mail, providing supporting documentation, and clearly stating the reasons for my dispute. Regrettably, my attempts to resolve this matter have been met with no response or resolution. I am deeply concerned about the potential implications these erroneous accounts may have on my creditworthiness. It is my right as a consumer, as granted by the Fair Credit Reporting Act ( FCRA ), to have accurate information reported on my credit file. I request that you conduct a thorough investigation into the disputed accounts and take the appropriate measures to remove them from my credit report.
Consumer complaint received 2022-09-15
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. (NJ)

N accordance with fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

On XXXX Lvnv funding llc opened a XXXX.Acct. # XXXX. XXXX $ I have never signed any written document saying that i owe this debt to the collector.They are violating my rights of the FCRA as a consumer.I do not know who they are and have not written consent from my end.Also they have not verified that i owe this debt to this alleged company.Please have this removed from all three credit bureaus. XXXX XXXX
Consumer complaint received 2024-04-22
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: TRUIST FINANCIAL CORPORATION (FL)

According to my most recent credit report, i have hard inquiries that is currently reporting to the three credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
Consumer complaint received 2023-05-16
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. (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Consumer complaint received 2023-07-26
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. (NC)

I submitted a complaint last XX/XX/2023 and XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-13
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TN)

In XX/XX/XXXX, my wallet was stolen and an account under XXXX was opened with my social security number. XXXX closed the account after I contacted them and said they would report the fraudulent charges. There are 6 late payments affecting my credit score from this fraudulent account and as of XX/XX/XXXX it has not been removed and the issue has not been resolved.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to XXXX, XXXX, Transunion, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give XXXX, Transunion, XXXX written permission to furnish these accounts