davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AR)

This is in reference to XXXX. You state you closed the file as you have already responded. I don't have a copy of that and not sure what it stated, however, nothing must have been done since it is still on my credit report. I don't understand how some who steals your personal information opens checking accounts, credit cards, cell phone accounts, electric accounts, rental agreements and many more is able to just skate free while I pay for his wrong doing. I have filed a police report and they have sent the file to the Proscuting Attorney and a warrant has been issued for his arrest. I have submitted the police report and the FTC form to show as best I can that this account does not belong to me yet you have done nothing. You have ask for no proof that I didnt live at the address or anything else. You have just taken the word of the collection agency. I have spoken with them and they don't have anything with my signature or anything else to proof the account belongs to me. They just assume that since they were told it is a valid account that it is. So that means that you assume that it is a valid account. I thought this company was to help us that are in need. NOT to support the business that has wrong doing in mind.
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-12-22
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)

On XXXX XXXX XXXX XXXX companies ran my credit and obtained my social without my knowledge or permission. I would like this to be removed from all three major credit bureas and would like for someone to be held accountable for my private information floating around without my knowledge. 


List of companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

they dont to update any file on my credit report from some reason they dont respond to my disputes i got confirmation that they receive my disputes but they never process investigations or anything they told me my account handling by a spacial person but they never want to delete anything
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

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. This collection found within my credit report 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 being investigated by the FTC.
Consumer complaint received 2017-02-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

Someone used my credit car number to rent a car at ( XXXX ) & The bank PNC is charging me XXXX for something that 's a fraud. The bank sent me to collections which I disputed that because I am not willing to pay for a fraudulent transaction. I try to dispute it with the bank which they say they do n't have any records of anything yet they still trying to collect the money from me. I also tried to follow up with XXXX and they stated that they have no records either. I explain to them that I do n't have a license and that I am not even old enough to rent a car yet they still not dropping the matter. I also did not authorize such a large transaction.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-12-22
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXXAPITAL XXXX XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Schreiber Law LLC (NH)

I was called by the collection dept. of Schreiber/Cohen llc. XXXX, a nice female employee talked to me about payments that were past due, I informed her that i left a message at that office for a motion to continue because i would be out of state, she asked me why I said to visit my parents in Florida from XX/XX/XXXXto the XXXX and the hearing was for XX/XX/2018. She then put me on hold and the manager of the collection dept. picked up the phone he informed me that if i can go on Florida then i have money to pay my bill, I informed him that everything for the trip was purchased by my parents. He then said rudely that he doesn't understand, that he was going to look into my savings and stocks and bonds to see if i had money to pay the bill, and even investigate what kind of care i drive '' maybe I drive a new XXXX  '' he said. told him i have no savings and certainly no stocks or bonds that i was broke but i could meet him at any time besides XX/XX/2018.He said that if i didn't pay the whole back amount that i would not receive a motion to continue and that if i miss the hearing a bench warrant would be issued, he was incredibly rude i even told him that if we couldn't have a normal conversation that i would hang up and deal with the court and file my motion for continuance.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I read the article from the CFPB about all the illegal activities that Navy FCU did to consumers. I wrote a letter certified mail to Navy explaining the issues i had with them and let them know about the exact same illegal activities they did to me. I received a letter from the Senior Vice President XXXX stating he personally reviewed my dispute and he determined that he had validated the account with all XXXX credit bureaus. But he failed to provide any proof of the alleged debt, no contract, no account statements. All he said was that i still owe them money. I sent him a second certified letter restricted and he personally signed for the letter. He has not responded to that letter at all. In the letter i pointed out that they had failed to verify the account pursuant to 15 USC 1681 s-2 FCRA as well as FACTA section 312.
Consumer complaint received 2023-04-04
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. (CA)

I recently received a copy of my Equifax Information Services LLC credit report, and I noticed some late payments posted on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did not give Equifax Information Services LLC written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possibl
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME : XXXX XXXX XXXX : {$4800.00}
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

My problem is linking my XXXX account to PNC. Also, your overdraft system is ridiculous. On my account I have No over-drafting set-up so that should mean you dont get overdraft charges especially if theyre not from writing a check. Every time that card is swipe you know it so how can you have an overdraft charge and if its from a fee that came through then you should not be charged because you have No overdrafts, Direct deposit, and always putting money in the account. 
This is why I am starting to transfer my banking away from PNC. It is a pain in the XXXX with everything you do at PNC. This is the year 2020 its about time you get with the program because XXXX and others like them are going to eliminate you and other banks like you.
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 — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (DE)

I, have a collection agency calling my job number number and cell phone number.in which i almost got in trouble and they were calling sometimes after i left and my co-worker told me the next day. Now co-workers know my business. and calling me during business hours knowing i have people coming to the desk
Consumer complaint received 2023-06-16
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30, 60 and 90 days past due. Ive never been behind on my payment. I tried contacting the Experian Credit Bureau and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1100.00}.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ARVEST BANK GROUP, INC. (MO)

On XX/XX/2022 I attempted to transfer money ( {$1000.00} ) from my bank account with XXXX XXXX XXXX  to my bank account with Arvest bank. 
The money was deposited somewhere within Arvest business account. We have provided account numbers, deposit numbers, and trace numbers and Arvest claims they can not find out money. Its just lost. For over a month we have been going back and forth with no resolution in sight.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX Experian 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 : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2022-11-30
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. (MI)

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 U.S.C 1681. 
..Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681section 602 A.States I have the right to privacy..

.15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

.15 U.S.C 1681 ( 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 1681 5-2 ( 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 2020-04-29
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}