davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aldridge Pite, LLP (CA)

We sent the alleged XXXX Clear Recon Corp ( CRC ) a request to investigate the documents in person and they have failed to reply. We sent them the attached Subpoena and they have not responded. Please help us obtain the documentation requested in order to inspect it properly.
Consumer complaint received 2023-02-14
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. (GA)

Experian has been asked several times this year to remove XXXX XXXX  off of my credit report due to bill being passed that any medical bill under XXXX dollars is to be removed off of my credit report starting the beginning of 2023... I want XXXX XXXX removed from my credit report immediately.
Consumer complaint received 2016-02-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NPS GROUP (MD)

I received a Robo call from XXXX - upon picking up the phone, a pre recorded message said " Hello, this message is solely intended for ( My Name ) if you are not ( my name ) please disregard this message. Please call XXXX using Reference no. XXXX. Please press 1 to be connected to a representative. When pressing 1, the phone makes an outbound ring, and a operator picks up. Upon giving them the Reference no. they stated that I owed on a claim. Jokingly I stated - Claim..? What kind? Insurance claim? ... They stated No - a law suit and that the complainant wanted to settle out of court on a payday loan in the amount of {$510.00} - I stated that I have never taken out a payday loan.. They then began threatening court proceedings and that I could tell my story to the judge. - Now of course, I do n't and never have taken out a payday loan. After they hang up on you, they appear to block you from calling back. When I called the number back ( including changing the last XXXX digits of the XXXX number, the call goes directly to a voicemail answering service ). 

During the conversations, I asked who the origination complainant was ... They stated " XXXX '' - Prior to XXXX XXXX, when calling the number, Operators would answer as NPS then give a name ... After XXXX XXXX, the calls switched to foreign accents. The voicemail recordings state that the company is XXXX.
Consumer complaint received 2022-12-25
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has 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 2023-07-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX bank of America has allowed fraud to be committed with my credit, in fact, This past Sunday on XX/XX/2023. 
I just received 3 emails from Bank of America in forming me that they just received multiple applications with my social security number and credit information to open up XXXX. Bank accounts. 
XXXX tried reaching out to Bank of America XXXX XXXX Monday the next day XX/XX/2023 and I was refused service by multiple employees I spoke. With them on the phone as well as I spoke with the find department and I spoke with many other different departments. 
Over the phone to Bank of America customer care and fraud department an issues and I was also refused help and assistance with this issue and they also hung up. In my face multiple times when I asked to speak to a supervisor in inform them that I was going to have my attorney get involved in this immediately they. Still refused me and. 
Refuse to help me in any way and just left me on hold when I told them that I was adding my attorney to this issue immediately.
Consumer complaint received 2021-01-02
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)

EQUIFAX has been contacted and seems as if they're ignoring the investigation. Account specifically ( CONNS ) they mentioned Verified as Accurate, is NOT accurate at all. I have no responsibility for this account nor has the company even reached out. 

There needs to be a better job of investigating this is ridiculous. No information has been given to me from Equifax nor the companies reporting and Equifax is the only bureau reporting. It's now over 6 months and this problem persists!!! 

Per Certified Mail, Equifax HAS received mail.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I sent a dispute letter with proof identity theft for the from chase for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it. 
15 U.S. Code $ 1681c-2 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. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in violation!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-11-28
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. (OH)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.
Consumer complaint received 2023-06-29
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have no direct business with Portfolio Recovery, and XXXX XXXX. I've never signed up for any services with them and never signed any type of documents. I want the accounts removed from my credit reports. I don't have any business or documents from the either company. provide proof i signed documents with these companies
Consumer complaint received 2023-06-29
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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 sent a letter on XX/XX/XXXX to remove the items 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 or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

PNC bank, XXXX XXXX, XXXX charged me {$25.00} interest when I never borrowed any money. They had transferred funds from my savings account to my checking account by mistake. Reversed the transfer but still charged me Interest on the transfer. I closed the account. I want the {$25.00} back!
Consumer complaint received 2022-11-04
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. (SC)

Although the XXXX credit card is accurate on my report, It has been on there for XXXX  years this past XXXX and should be removed now. And XXXX has been XXXX  years this month
Consumer complaint received 2023-06-28
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX Account Number : XXXX 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 2020-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Genesis Credit Management has been calling family members and friends from PRIVATE and blocked numbers. The harassments began in XXXX of 2018. They called a family and threatened to send the sheriff 's department to her home. They called another family member and threatened their religion. All threatening voicemails are documented. They called me pretending to be an apartment complex in XXXX California asking about an application I never filled out. I get 2-10 phone calls per day now.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Duvera Billing Services, LLC (VA)

Unfortunately I had an emergency and needed tires. XXXX offered a line of credit with XXXX financing. I never received a card or a statement. I have been making automatic payments for a year. I called to inquire about the balance and was informed that nothing has applied to the principal. I requested a statement and there was no interest provided. I requested detailed information and later received a table break down showing XXXX XXXX interest. This was never disclosed. When inquiring about the interest and payment I was informed that I can not make additional payments or more than the payment requested to pay off. I have never been denied a chance to pay off an account early. What can I do? Can they offer XXXX XXXX  interest?
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank refused to cooperate to reset pin on Visa Debit Card ; Citizens Bank refuses to issue a new debit card ; Citizens Bank refuses to assist to provide new debit card pin ; Citizens Bank refuses to close my account and allow me any of my XXXX XXXX dollars and reopen the same account. I do not have a drivers license with me and my name address and Citizens Bank refuse to do anything where I can make a single purchase using Citizens Bank debit card. The customer service number at Citizens Bank refuses to help with any of these issues.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

I had a deposit to put my account in a positive balance, the next day they showed me over drafted because of a fee for something that shouldn't have been added the fee because I brought it back current before anything cleared. I tried to call and speak with them because this was an error adding on their part and they wouldn't help me. I mean the guy i spoke with works for a bank but doesn't know what CFPB is.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-27
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$640.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$21.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (IL)

On XXXX XXXX I received a letter from one main financial company threatening me of a debt of XXXX interest on car loan. I have not received a 1099c form cancellation of debt. As research has shown one main financial has filed a 1099a & 1099c on my behalf without permission and received full payment for that loan amount. On record they have the wrong address for this vehicle lease in no actual evidence on file of I. They have damaged my credit, hard inquiry on all three credit reports. Im very disappointed in upset with this fraud company. I will like my information removed from there contact information and system immediately as well my credit report cleared immediately within 14 days of this fraud claim.
Consumer complaint received 2023-06-27
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. (CT)

I reviewed my Consumer Reports and noticed that I had two late payments on ad account that I was never late for. 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 ( XXXX XXXX. My account number is XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all other addresses and names Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-06
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. (VA)

I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my chapter XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (NM)

XXXX student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much
Consumer complaint received 2023-06-26
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. (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 2023-06-26
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. (NY)

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Accounts XXXX