davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I had never done business with XXXX XXXX XXXX. This is an account as a result of identity theft, therefore needs to be removed. 

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Consumer complaint received 2023-02-06
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. (TX)

This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it 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
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2023, I was notified by USAA that there was a fraud attempt on my checking account that included a XXXX transaction for the amount of {$5000.00}. I communicated to USAA that I had no knowledge of that transaction and it was flagged and stopped. On XX/XX/2023, I was again notified that there was an attempt to purchase over {$500.00} with XXXX XXXX and again it was not me so the charged was not processed. The fraud department prompted me to change my password. They also informed me that there XXXX other IP addresses signed into my account out of XXXX XXXX and the name XXXX XXXX was associated. I have no contacts in XXXX XXXX nor have I ever been there and I explained that. 
On XX/XX/2023, I checked my checking account to discover {$5000.00} transferred out of my checking account at approximately XXXX XXXX. I immediately contacted USAA and was assured that the fraud department would be notified immediately. 
On XX/XX/2023, I contacted USAA to get a status update on the fraud and I was told that the only resolution offered was discontinuing my banking services. I was informed at this time that the transfer was to another USAA account. I have no knowledge of this account, it was not created by me and neither was the transfer. I would assume that USAA can see whos account it is as an individual can not open an account without social security number, birthday, etc. 
I would like to add that I am a XXXX XXXX  on a fixed income and that was my only income for the month. My banking credentials were NOT given to anyone on my end. I would like to add that I have banked with USAA for 18 years without incident. 
Another detail I will include is that USAA security was compromised in XX/XX/2023 by a XXXX in which XXXX peoples information was unsecure. I cant say if this is directly related but I do know that I did NOT approve this transfer and it was fraudulent. 
I just want my money returned.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This account was charged off on the following date XXXX, 2023. Since then the account has reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding unknown inquiries that have appeared on my account. Despite my efforts to address and remove these inquiries, the matter remains unresolved. 

I want to emphasize that these unknown inquiries have caused me significant concern and uncertainty about the security of my account. Despite my diligent efforts to address the issue, the inquiries persist, which is deeply troubling. 

I kindly request that you take immediate action to investigate and remove these unknown inquiries from my account. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the removal process. 

Additionally, I urge you to review your inquiry tracking systems and security protocols to prevent similar unknown inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is paramount in maintaining trust and confidence in your services. 

Failure to resolve this matter satisfactorily may compel me to explore further actions, including seeking assistance from regulatory authorities or legal counsel. However, I hope that with your cooperation, we can resolve this issue amicably and efficiently. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (UT)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (WI)

On XX/XX/2023 I logged into my online banking to check my balance. I notice a entry that was not made by me. I opened up the entry to notice a check ( which I had previously made out to my medical provider ) was made out for {$220.00} and cashed. I contacted the bank and told them what had happened. I followed everything they instructed me to do. I went in to the local branch at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I explained to them what was going on. But was told There was not a branch manager there and the 2 staff members did not know when or if she will be back. From there I went to the XXXX XXXX Police Department and filed a complaint. I was help by XXXX XXXX XXXX, who took my complaint and gave me a crime victim paper. On Monday XX/XX/2023 my sister took me to the XXXX XXXX XXXX. I explained to a a teller XXXX XXXX why I was there and what had happened. She had me to wait and directed me to one of the Branch Bankers XXXX XXXX. I explained to him why I was there and that my account was fraudulently jeopardize. I gave him all information ( Copy of police report, cancelled check front and back, carbon copy of check in question ) and let him know I wanted to be reimbursed. XXXX took all information closed the account and opened me a new checking account with new debit card. From XX/XX/2023 through XX/XX/2023 I have been to the XXXX XXXX Branch or called to find out what was going on, and I can not get anyone to call me back. I called in XXXX and ask for the fraud department. I explained again why I was calling and that I wanted to speak to someone in the fraud department. I spoke to a gentlemen who told me they wanted me to contact the bank where the check was cashed. I told him I was not going to do his job, I wanted my funds put back into my account. I said if you are FDIC bank I should not have to go through this much trouble to have my funds returned. I have been a customer with BMO for over 40 years, and should not be treated this way. I am at my wits end. Please help. Thank you XXXX XXXX.
Consumer complaint received 2023-05-08
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)

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  XX/XX/2020
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (FL)

since XX/XX/XXXX was my first payment, i never received my statement by mail till date. every time i make my payment i ask the agent, where i call and make my payment he says that its been mailed to me wait, i asked them to repeat my address every thing is correct but i don't receive my statement. global lending services LLC, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery Associates , LLC sent me a bill dated XX/XX/23 saying I was in collections for a bill from XXXX XXXX  for the sum of {$1100.00}. While I do have a credit account with XXXX for XXXX XXXX, it is in good standing according to both my records and XXXX, and the balance is nowhere near that amount. Therefore, this is either a mistake or fraud. Considering the details, fraud seems more likely. 

I haven't contacted PRA because previous experience with collections companies has shown that they won't be interested in the facts, only the money.
Consumer complaint received 2023-05-11
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. (NV)

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXXXXXX XXXX XXXX  XX/XX/2022.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX =======XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX =======XXXX : XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to the better business bureaus and my state atttorney general office.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX Bank of America offset my business account {$2100.00} in order to cover a closed credit card I previously had with the company that was never on auto pay. 

I called Bank of America to request my funds back, letting them know this practice was illegal and they insured me it was legal and my funds would not be returned. They told me right to offset was in my account agreement. I asked them to send my account agreement which they agreed to do but never sent. 

On XX/XX/2023, after receiving my federal financial aid, Bank of America offset my personal account for {$5000.00}. I quickly contacted them requesting the funds back and they told me they would not return the funds. I again told them this was illegal and they argued with me claiming it was legal and in the agreement, terms and conditions. I asked for it to be sent, again, they never did so I found the agreement and disclosures on their site. While on a recorded line, I read to the manager Bank of Americas agreement and disclosures documents which states the following : We may take or setoff funds in any or all of your accounts with us and with our affiliates for direct, indirect and acquired obligations that you owe us, regardless of the source of funds in an account. 
This provision does not apply to IRA or tax-qualified retirement accounts, to consumer credit card obligations or where otherwise prohibited by law.

I repeated to the manager that the document stated this did not apply to consumer credit card obligations or were otherwise prohibited by law. Her response to me was I dont know what youre reading but its legal. 

Bank of America has just been fined {$1.00} XXXX because they continue to break the law with no regard to their costumers.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, XXXX XXXXXXXX, XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX