davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
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)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-07
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

I applied for the " VISA Travel Advantage '' credit card issued by Comenity Capital Bank on XX/XX/23 because they had great benefits that I would be using, especially the " 3 % '' cash back award for " Travel ''. My family was going to incur a substantial travel trip of over {$11000.00} on XX/XX/23, so the award would be approximately {$340.00} based on the full charge. I made other charges and got the appropriate cash back credits for them, but never got the one for the above trip. 
I have called many times and every time they either said the system was down, or that it takes 6-8 days from the charge, or to wait one more billing cycle. I then started documenting this in numerous emails to them and again asking about my cash back award for this one charge. I received a bunch of computer bot generated responses again with the 6-8 days ( it is now 9 weeks ) or the system is down, etc.

To this date I have not received the {$340.00} cash back award and after seeing there were over 8000 negative reviews in the XXXX website I am very concerned and am filing this complaint in that regard. That is a lot of money to my family and I believe clear fraudulent activity is going on and that they plan on never awarding this money per their credit card agreement with the consumer ( me ). Please assist me with this issue. 
Thank you very much.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (FL)

Report # XXXXRecently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>XXXX  I received a response stating that the accounts were verified on XX/XX/year>. I'm formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.im requesting you provide me all information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) 1. XXXX XXXX  act # XXXX {$810.00} XXXX Act # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA you are required to provide me this information within 15 days or delete the information
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Fraudulent accounts are being reported on my credit report that do not belong to me. I have attempted to contact the company directly and they are unresponsive but somehow refuse to remove the accounts from my credit report despite my countless letters, with documentation as proof. This is violating my rights and hurting my ability to get funding I need.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: REGIONS FINANCIAL CORPORATION (CA)

I believe someone may be committing fraud using my personal information for employment. I received a letter from Comdata congratulating me on my payroll card, along with a pin and phone number to contact them. I filed a report with the FTC. I tried calling them and I get a machine asking for a card number. I don't have a card.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (WI)

Notice to agent is notice to principal, notice to principal is notice to agent. 

After careful review of my consumer reports, I noticed an account on my report from DEBT RECOVERY SOLUTIONS account number : XXXX. 

I, XXXX XXXX, have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between DEBT RECOVERY SOLUTIONS and myself would make me legally bonded to any debt that they may claim. I am very certain that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 

With that being said, had DEBT RECOVERY SOLUTIONS sent a Debt Validation Notice as they are lawfully required to per FDCPA ; I would have been able to rightfully dispute this account before they unlawfully caused extreme harm to my consumer reports. I am requesting that DEBT RECOVERY SOLUTIONS provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FDCPA Law allowing me the proper opportunity to dispute this invalidated debt. 

Enclosed you will find an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If you can not provide proof of delivery to this address XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX, prior to todays date XXXX, XXXX, 2023 I am entitled to compensation. Please be mindful that a certified documentation must be provided to prove that your company followed FDCPA laws. 

Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Consumer complaint received 2023-08-20
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)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
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. (GA)

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. 

Accounts- XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX has been violating 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 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

We seen that I have two huge promotional balances expiring on the same day next month on our Care Credit Card. This was from a large veterinary bill, both unfortunately in XXXX of last year. To have something like this expire all in one day is a lot. We reached out to the bank, today to see what our options are.. I have had been dealing with a very high min payment since this charge originally hit. We were perplexed. Where had all this been going? We understand we have a balance of over {$4500.00} on this card, currently, but how could it be that two of our highest charges were never, ever touched?! It was explained to us that it had been going to our XXXX percent balance from XXXX. All of it! How can that be fair or even possible? So, its like telling someone that they are meeting a min payment of {$200.00} plus for one solid year and they had absolutely no chance in paying off the two large charges from last XXXX? We don't recall agreeing to something like that, nor had we any knowledge that this was going to happen. I thought there were laws put into place now that money had to be allocated to debt that was going to expire first under promotional balances? 

The rep offered to reallocate some of the payments to one of the promotions bringing it down to {$920.00}. A little bit better. We had just paid our high min payment of {$200.00} two days ago! So, where is that going? Still no help to bring this down? 
We were going to try our best to try to pay one off by XX/XX/XXXX but what about the other one of {$2200.00}? What about that? He said he can only give us a grace on that until the end of XXXX XXXX is that going to help on over XXXX? I can't pay XXXX in another month. So, this bank is basically telling me I have to pay off my entire bill the end of XXXX or I am looking at almost XXXX in interest? That's what this is. 
We told them we still need this escalated and emailed customer service as well but we are not expecting to hear a favorable outcome.
Consumer complaint received 2023-08-20
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: AMERICA FIRST FEDERAL CREDIT UNION (NV)

o/a XX/XX/XXXX  my XXXX  XXXX bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX  XXXX bankruptcy '. 

o/a mid XX/XX/XXXX  XXXX allowed XXXX XXXX  / XXXX XXXX to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount. 

o/a XXXX XX/XX/XXXX  this agency has allowed America First Credit Union to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX XXXX bankruptcy ' to 'charged off account '.
Consumer complaint received 2023-06-19
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. (FL)

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 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 2023-03-27
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: EQUIFAX, INC. (NV)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # XXXX
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2023-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 2023-08-20
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: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  account # ending in XXXX This creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. ()

This complaint pertains to the previous complaint, ID XXXX, filed several months ago. 

The complaint has partially been resolved. I received a cashier 's check in the sum of {$50000.00} a couple of months ago from PNC Bank mailed via XXXX. 

However, I have not yet received the interest that was lost due to BBVA 's failure to not renew the Time Deposit as requested by me. Instead, the account was closed without my permission or knowledge. This was done by BBVA prior to the conversion to PNC, and a cashier 's check supposedly was issued but without my request or knowledge. 

To this day, after having asked several times for this information, I still do not know who authorized and issued the cashier 's check and where it was mailed or given to. 

Please note that I am XXXX XXXX XXXX and reside in XXXX. I have not always received paper statements from PNC and just recently, with the help of my daughter, set up online banking, so I have not always been aware of all activities in my accounts. But regardless of this, I always trusted that my monies were in safe hands and never worried about something like this happening. 

This whole time, I was under the impression that my original CD had automatically renewed and was earning interest. At no time was I notified that the account had been closed out and that a cashier 's check had been issued. Had I not inquired about another issue recently, I would still not know. 

I am enclosing the following information for your review : XXXX. Time Deposit Maturity Notice XXXX XX/XX/XXXX. 
As requested in this notice, I did not respond to this because I wanted my CD to be renewed. 

XXXX. Letter from PNC, dated XX/XX/XXXX XXXX. Copy of Cashier 's Check XXXX dated XX/XX/XXXX I hereby request that PNC reimburse me for all the interest that I could have earned if the CD had been renewed as I had requested. This was clearly a mistake by BBVA and since it was converted to PNC, PNC is responsible.
Consumer complaint received 2023-08-20
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my files. these issues have been reported multiple times an no action has been taken. these companies are not following consumer law an needs to be deleted an corrected asap. please delete the listed items on file.