davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
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)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-03-09
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-14
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2023, I initiated a Transfer to pull {$500.00} into my Chase checking account.. As of this morning ( XXXX XXXX ) that transfer shows as Rejected. Account log shows Transfer # XXXX There was no notice and there is no reason or explanation shown.
Consumer complaint received 2020-03-09
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. (AL)

Experian has once again put a fraud alert on my credit file that i did not request or authorize. It has just randomly reappeared. In XX/XX/2019 I had to fight to get this removed and it finally was. Now it reappears. I have contacted them about this new alert but nothing has been done
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Attatched USAA FRAUD letter XX/XX/XXXX CREDITS FRAUD CLAIM DATE XX/XX/XXXX {$470.00} attatched statement of XX/XX/XXXX ONLY CREDITS FROM MERCHANTS. attatched XX/XX/XXXX statement confirms {$700.00} OTHER **INTERNAL CREDITS. attatched XXXX XXXX OTHER I** NTERNAL CREDITS OF {$2.00}, XXXX = {$3.00}, XXXX. SHOW PROOF USAA PERMANET CREDITS {$3.00}, XXXX EVER LOWERED THE BALANCE. XXXX Please Provide WRITTEN PROOF OF EACH PURCHASE AND WRITTEN PROOF THAT ALL DELIVERIES WERE DELIVERED INTO MY HANDS. Kindly Note ( USPS ) DELIVERIES UNDER CRIMINAL INVESTIGATION. case DOCUMENTATION PROVIDED.
Consumer complaint received 2020-03-09
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 disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

This complaint is about an error made on behalf of PNC Bank with XXXX, which cost me {$1000.00} without any wrongdoing on my part. 

On XX/XX/2019, I made a credit card payment to XXXX for {$1000.00} from my PNC Bank Account using a debit card. The amount was recorded once by XXXX  on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my PNC Bank account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with PNC, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account. 

Then, on XX/XX/2019, XXXX  adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my XXXX  account. As a result, the initial payment was reversed once from XXXX, but only once from PNC despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason. 

When I contacted PNC to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact XXXX  about their reversal of my payment. So, after several months of back and forth between PNC and XXXX, I was formally told through a letter from XXXX   that the reason they deducted {$1000.00} from my XXXX  account is because they had paid it to PNC in order to reverse my transaction, however, PNC never put the {$1000.00} back into my PNC account. 

I have followed all of the appropriate steps to resolve this problem and went through all of the proper channels with PNC, but this issue has not been resolved. It has been ongoing for several months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between XXXX  and PNC, I am just a middleman who is charged {$1000.00} without having it returned. This is theft.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

15 USC 1681Q- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$XXXX}, whichever is greater. 

15 USC 1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 

XXXX XXXX XXXX ( LATEPAYENT ) Account # XXXX PLease Help me correct this late payment and remove/deleted. 

XXXX XXXX Account # XXXX Dept of edaidvantage account # XXXX XXXX  Account # XXXX THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION OR CONSENT PLEASE HELP ME REMOVE/DELETE THIS ACCOUNTS.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management calls my phone every single day from XXXX-XXXX. I blocked their number over 300 times. Then, they have called from a different number. They call all day every single day and they are disrupting business, which places a substantial burden on my ability to earn a living. I asked them to discontinue the calls on XX/XX/XXXX, at XXXX XXXX, but the calls continued. Last night on XX/XX/XXXX, they called after XXXX.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PROFICIO FINANCIAL SERVICES, LLC (IL)

Several issues to include in my complaint for Proficio.

1. The company contacted multiple third party 's ( my old landlord & boss ) on several occasions. They disclosed the alleged debt I owed and made derogatory statements about me personally.

2. Proficio Financial Service never sent me a letter notifying me of my right to dispute the amount owed to XXXX XXXX XXXX XXXX. 
3. I personally disputed the debt with XXXX XXXX XXXX XXXX, for legal services owed, at the time the invoice was received however XXXX XXXX never replied to my letter of dispute.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from 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
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Vericred Solutions LLC (FL)

Vericred is a collection agency for XXXX. They keep selling my information to differs collection agency when they was paid off when the car was sold. Ive went over this multiple of times with them and this is fraud. They cant keep selling my information as a old debt. Especially when its been over 8 years thus has been settled with other collection agency. This against my rights and very much in accurate. The details were never verified as accurate. Please have this company investigate I never received any notification about this. I have attach the last collection agency my information was sold too
Consumer complaint received 2020-03-09
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 pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-17
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. (OH)

I have sent out letter to the companys and the credit Bureaus.. The inquiries on my TransUnion, XXXX  and XXXX that I did not apply for is. ( XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-03-09
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: Asset Management Outsourcing, Inc. (GA)

I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I have found fraudulent accounts in my credit report that I did not authorize, previously I have try to remove them but nothing was done, I'd like to as for you help to fix this situation in my credit report. such accounts needs to be remove from my credit because they do not belong to me nor I have authorize them.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

A third Wells Fargo rep by the name of XXXX XXXX has replied again using same general form response which basically states numerous attempts at resolution made, exhausted all efforts ... As stated numerous times prior and again here, this reply is entirely bogus as there were no such attempts such as reaching out via email, phone, or otherwise. Further, such attempts are not detailed and should be if true.. I can assure the CFPB and any other third party, Wells Fargo reps are lying ... I've called their Executive Office Phone Bank numerous times, reps do not seem to be familiar with mediation program and can not locate a XXXX XXXX, a rep whom replied initially via CFPB portal whom also used reply mentioned above..They attempt to refer me to one of settlement administrators whom have nothing to do with mediation program.. Recently, I've been attempting to resolve fraud check issue, I mailed in an affidavit on or around XX/XX/18 and it was returned back to me. The check copy was mistakenly not included with it, I left a message with a XXXX XXXX about thison XX/XX/18, he assured me he would frwd check copy to fraud with explanation about missing check and email XXXX XXXX in re as well ... It appears he did not as the affidavit was mailed back to me due to missing check copy.. I believe XXXX was supposed to frwd check copy as well, not sure, it appears he did not ... I scanned copy of affidavit and check copy on XXXX, emailed it to XXXX, this could have been avoided had he and XXXX contacted fraud prior as mentioned ... Along with affidavit and check copy, I explained to XXXX that mediation might not be necessary if a settlement amount is available, which I would consider. It appears no settlement offer is available, only through mediation.. In closing, should fraud investigation conclude with no check reissue, I will need an address to mail notice of small claim suit to as I did not receive funds.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nair & Levin, P.C. (CT)

Nair and Levin lied to the court when providing a debt validation letter to the courts and not the party they alleged owes the debt. Nair and Levin have failed to provide a validation of debt letter for a new amount of debt claimed. I am disputing the debt and request an official debt verification be mailed by Nair and Levin.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with XXXX XXXX XX/XX/XXXX. 
Despite disputing with Experian, XXXX, XXXX, and XXXX, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.
Consumer complaint received 2020-03-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

On Saturday, I received an alert from XXXX showing that Experian Credit reporting had added a collection to my account. It was from a company called XXXX ( XXXX ) XXXX. {$290.00} and it was coming from XXXX @ XXXX XXXX. I do not use XXXX XXXX XXXX   and never had, so I filed a dispute, under unknown debt or not my debt. That was on Monday XX/XX/XXXX, On Tuesday XX/XX/XXXX, I receive an email stating dispute results ... ... .the company that reported the information has certified to Experian that the information is accurate, the item was not changed as a result of us processing your dispute. I saw this, so I called up XXXX myself, I stated my name, and then they asked for my address, Is said well what address do you have, and he stated to me XXXX XXXX XXXX XXXX XXXX WI,, I said that is not my address ... ..I have never had XXXX XXXX XXXX, no one has ever opened an account using my name with XXXX XXXX XXXX , then I asked him what the date was for this non payment and he stated XX/XX/2008. So even if the debt was mine, 2008 is well past any statute of limitations for collecting a consumer debt. The complaint I have is against Experian, for not doing an accurate dispute, and not removing this from my credit report immediately based on, the fact this account did not match me, and second this account can not be collected because time as expired.
Consumer complaint received 2020-03-09
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. (GA)

I submitted written request to Equifax, XXXX XXXX, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to Equifax. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.