davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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: EQUIFAX, INC. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-01-28
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-09-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Preferred Collection and Management, Inc. (FL)

I went to the hospital and was discharged on the same day, XX/XX/2023. Preferred Collection Management Services , Inc. contacted me via mail on XX/XX/2023. This is well after the five days they should have reached out, which means they are in violation. I received mail from Preferred Collection and Management Services , Inc., stating they were collecting my debt. I called the original creditor, XXXX XXXX XXXX, and filled out documents requesting financial assistance. I qualified for assistance and got my debt reduced by 90 %. So the original debt of {$5200.00} turned into {$520.00}. 

I requested a debt validation letter in XX/XX/2023 and received mail on XX/XX/2023. The letter stated I still owed the {$5200.00} when the information they provided and obtained from the hospital clearly said I didn't anymore. I now owe just the adjusted amount of {$520.00}. This is a false collection. And they can't say it isn't because they even sent me documentation saying I no longer owe that amount.
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (OH)

I have recently re-established my credit back into excellent standing, so I check my credit report very often to make sure that all information is accurate and true. On XX/XX/2019, I received several emails from credit reporting providers stating that my credit file has been changed. A debt collection company under the name " Radius Global Solution '', reported to the credit bureaus that I owe a debt of {$180.00}. I do not owe any one anything and I do not know who this company is or what this debt is about. I did not receive any dunning letters nor did I receive any information regarding this debt. I did not have a chance to dispute this inaccurate information before it was just placed on my credit reports. This has dropped my scored tremendously. This is a complete violation of my rights. I want this account removed immediately from my credit reports!
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

Hello, I took out the HSBC Cash Rewards Mastercard early XX/XX/2018. I was given a promotion offer - spend {$500.00} within the first 90 days, received {$150.00} cash back. I made a purchase of {$890.00} on XX/XX/18. I've been given conflicting information by HSBC reps, stating that either 1 ) I didn't receive the promotional offer/need to spend {$2000.00}, or 2 ) the bonus will post after 90+ days. 

I am not sure which is correct. I want someone to take a look and provide me reassurance that my promotional offer was captured correctly. 

The promotional offer code was XXXX. Original app ID was XXXX.
Consumer complaint received 2024-03-16
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. (SC)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.
Consumer complaint received 2024-03-15
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. (OH)

I submitted a letter to the XXXX Credit Bureaus ( XX/XX/2024 ) 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 Balance : {$300.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$750.00}
Consumer complaint received 2023-05-12
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. (SC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-02-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Opportunity Financial, LLC (MS)

Calling work repeatedly sometimes 3-4 times an hour up to 15 times a day during work. Repeatedly calling cell number from spoofed phone numbers ( if you try to call back the number is not a working number ). Did not receive postal mail confirmation of collection even though I asked for it over the phone.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MO)

I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report XXXX have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : National credit systems XXXX XXXX
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

To whom it may concern : Caliber Home Loans erroneously paid my property taxes even though I dont have an escrow account. Caliber then bumped my payment from {$640.00} to {$1500.00} to cover their mistake. Please see the upload escrow breakdown. They failed to property calculate taxes and force-placed escrows to cover their mistake. 

XXXX XXXX XXXX
Consumer complaint received 2019-12-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc. (AZ)

The finance company sell a car that was having mechanical problems ( I notified several times ). They called over 10-15 times a day ( even before XXXX ) and that's including my references. In addition, I provided the address to repossess the car and they never show up and now they are treating me to file a stolen car report ( which is false ).
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (NY)

I have applied for many credit cards with credit karma after seeing my percentage of approval being quite high, and still got denied. That has negatively impacted my credit as Im trying to rebuild it. Its been on several occasions I was told my percentage was high of getting approved, then I was denied.
Consumer complaint received 2023-02-28
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: Resurgent Capital Services L.P. (MA)

On XX/XX/2023 I received a letter from XXXX XXXX  stating they had won a lawsuit in court against me. I dont have any credit cards. XXXX XXXX XXXX. My mom went online and got a copy of my credit report and there were several things on there I never signed up for, the following is on my credit report that I never had knowledge of : 1. XXXX XXXX 2. XXXX XXXX XXXX. 
3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On the XX/XX/2019 I was in a dilemma. My lease had expired and I had no place to stay. Consequently, I had to search for a short term lease online all day until I found a suitable enough place to live in. At XXXX XXXX  I believed I found one - the purported land owner was XXXX XXXX or at least that is who he claimed to be. 

He offered a short term lease for the month with a possibility to renew the lease if desired for {$620.00} with a deposit given of the same amount. I was running out of options and really needed a place to stay, so we signed the contract online and I transferred him the money through my BoA app using XXXX. I did so because I believed XXXX to be safe since it was integrated in my BoA app, thus even if this was a scam at least I could get my money back. 

Unfortunately, it was a scam and he never showed up at the agreed time. I realized this and called BoA as soon as the bank opened the next day. The lady on the phone told me they would perform an investigation and I should get my money back within a few months. Satisfied with this, I waited to hear back from the bank. 

Alas, I never heard back from the bank and I never received my money either. It took me calling them in XXXX in order for them to tell me I would not be getting my money back. Their reasoning for this was that they, " asked him to give the money back but he refused. '' Is it any wonder that he refused to give the money back, given that the bank acted as a toothless tiger? At the least, they could have threatened to refer his information to the FBI. But no, they couldn't even threaten to do that and when I asked them to do so they likewise refused. 

The handling of this case is truly egregious and there is no excuse for handling it in this way. Firstly, if XXXX isn't safe at all and there is no means to get your money back it makes no sense to integrate it into the BoA app as it gives consumers, such as myself, a false sense of security that everything will be okay. Secondly, to not be in contact with the consumer and forcing them to call me is perhaps the worst customer service one could imagine with respect to this issue. Lastly, to refuse to do anything beyond simply asking the guy to hand the money back while offering no compelling force behind it is utterly ludicrous. 

It is in these veins that it would seem that the bank is utterly responsible for leaving me on the hook for months while seemingly doing absolutely nothing to resolve the issue at hand.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the XXXX XXXX XXXX Account # XXXX ( XXXXXXXX XXXX ), has violated my rights.

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

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

For the past few months I've been disputing a collection on my credit to receive more information. All of a sudden all the mail I sent to Penn Credit got returned to me because their address is incorrect. This is the address that I got from my credit reports. They are not reporting their address correctly, and so I have received no verification of this debt. They never mailed me anything, EVER and I found them on my credit report, I know they are not reporting accurate information. Please help me!