davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX reported by me XX/XX/XXXX CONFIRMS INACCURATE INFORMATION ** ALLEGING I REPORTED XXXX XXXX A RETURNED ITEM {$120.00} XX/XX/XXXX AS FRAUD CONFIRMING ( XXXX XXXX BEING ** INCLUDED IN THE BALANCE OF {$470.00} XXXX XXXX see attatched XX/XX/XXXX XXXX XXXX CLEARLY THE {$120.00} IS NOT INCLUDED IN FRAUD OF {$470.00} I REPORTED FRAUD ON THE BALANCE LEFT AFTER CREDITED BY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} BALANCE LEFT AFTER {$120.00} WAS ( SUBTRACTED ) USAA STATEMENT XX/XX/XXXX AGAIN USAA IT DOES NOT INCLUDED THE XXXX XXXX. see attatched CFPB XXXX XXXX CONFIRMS USAA HELD ME LIABLE FOR THE {$470.00} UNAUTHORIZED TRANSACTIONS CLAIMING TO CRAs REPORTING ME AS A CRIMINAL ATTEMPTING TO COLLECT ON RETURNED ITEMS DESTROYING MY CREDIT AND SLANDERING MY NAME. see attatched XX/XX/XXXX. XX/XX/XXXX CFPB XXXX see attatched RESPONSE CONFIRMS I WAS HELD LIABLE FOR THE {$470.00} see attached FRAUD CLAIM LETTER {$470.00} TRANSACTIONS OF XX/XX/XXXX AFTER USAA INVESTIGATION XX/XX/XXXX ARE CONFIRMED BY USAA AS BEING UNAUTHORIZED. see again XX/XX/XXXX STATEMENT XXXX NO USAA CREDITS APPLIED AND NO XXXX XXXX {$120.00} IS INCLUDED IN THE BALANCE OF {$470.00} I REPORTED FRAUD. USAA FRAUDS CONSUMERS. COLLECTS ON ID THEFT IS NOT ZERO LIABILITY AS THEY ADVERTISE. USAA BREAKS THE LAWS. LIES TO SAVE PROFITS AND SLANDERS MY GOOD NAME AND CREDIT CONFIRMING FALSE INFORMATION.
Consumer complaint received 2020-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX  claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to XXXX  by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed immediately!
Consumer complaint received 2020-03-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Equifax refuse to do a proper investigation. I have been disputing, fraudulent and inaccurate information on my report since XX/XX/2019. I went to purchase a home for my family and I, and was told my report had 9 different accounts but 4 looked like duplicates. I immediately sent Equifax a letter on XX/XX/2019. No response. I have filed numerous dispute requests and have not received a response. The accounts are still there which is a Violation of the FCRA. Equifax did not conduct a reasonable investigation of my dispute, And did not correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Consumer complaint received 2021-06-18
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. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-18
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. (IL)

I have been going back and forth with Equifax requesting method of verification. This has been going on for months now. They never provided proof and removed the account on XX/XX/XXXX, still got no proof and it was put back on my credit 4 days later. This is a violation of the FCRA. Look at the previous complaints where they say they sending me proof. All they ever say is account verified. Where is the name, number, and address off the person who verified the account. There is no proof the account is mine and no signed contract. The other bureaus followed the FCRA guidelines and deleted it. Where is my Method of verification Equifax.
Consumer complaint received 2021-03-12
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 have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.
Consumer complaint received 2021-06-18
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am very disappointed that I have to file a CFPB complaint on the consumer reporting agencies. They have blatantly ignored all of my letters. I have sent letters on XX/XX/2021, XX/XX/2021 & XX/XX/2021. I have not heard a response yet! This is ridiculous. I have sent letters in regards to the consumer reporting agencies violation my consumer rights! 
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-06-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2020-04-01
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (TX)

I check my credit report with XXXX 7 days a week and I noticed it dont have a payment history and it reported a XXXX balance and no credit history at all ... and Im asking citi bank to update my credit report and my balance history and payment history please its been over 30 days and it still havent updated at all .... Ive been a citi customer since XX/XX/XXXX and Im asking them to updated it from XX/XX/XXXX until XX/XX/XXXX and second I have a pending transaction for XXXX XXXX  in the amount of {$220.00} on XX/XX/XXXX this hold havent released its been over a week and the merchant already released it on there end and citi said I have to wait 30 days and its not cool and Im going through some hard times
Consumer complaint received 2020-03-18
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. (CA)

I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was recently alerted by my employer that my personal information was leaked in a data breach. So today, XX/XX/XXXX, I applied to receive copies of my credit report via the governments " Annual Report '' website. I was able to retrieve both my XXXX and XXXX reports without issue. However, Transunion denied me access to the report online. They instructed me to call customer service to get a copy of the report, but the number is an automation which kept running in a loop. This is not the first time I've had a problem with Transunion. In XX/XX/XXXX, I attempted to get my credit reports for another purpose. I was able to get my reports from XXXX and XXXX again without issue. However, Transunion steered me to the customer service number yet again. Desperate to get the information quicker, on XX/XX/XXXX, I paid for the Transunion Score & Credit report for {$24.00}. Miraculously, I was able to access my information online. And, no ... this isn't a log in issue or failure to guess the identifying questions correctly -- if you look at the screenshot on Transunions website, I was able to log in to my account ( see top right corner which states " Logout '' ) but still not allowed to access my credit report. Transunion seems to be engaged in the deliberate scheme of holding consumer 's credit reports hostage for payment in clear violation of law. If you don't pay up, you have to get your report via postal mail which takes longer, especially to dispute. This is a very calculated scheme and they should be held accountable for it.
Consumer complaint received 2021-06-18
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)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-03-18
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. (CA)

I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I purchased XXXX XXXX XXXX on XXXX and paid by XXXX. 
A few months later, Citi Cards XXXX located at XXXX XXXX XXXX XXXX, SD ) requested to pay {$99.00} for the same product. 
I disputed it with their dispute email address on XXXX XXXX. 
I send my PayPal receipt attached to the email. 
But several month later, they send me billing again for the XXXX XXXX. 
With their consistent charge mailing with increasing amount with interest, I finally report it to XXXX. 
During XXXX  process, Citi Cards said they will investigate it several times with no result. 

But today they sent me another bill with increasing amount of {$100.00}. 

I checked my credit report. They report this charge as non paid on credit report of mine. 
They damaged my credit report. 

I believe XXXX  could not solve this problem. Therefore, I request Federal level intervention.
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had money taken out of my bank account by Capital One for credit card debt. I was not notified about any judgement or levy against me and I'm not sure if they even had one. This happened today, XX/XX/2020. They took a little over {$7000.00} and left me with about -- {$2000.00}. I tried reaching out to them about it weeks ago worried that they would try something, but I never got an answer back and with work, I don't often have time to continuously reach out to them.
Consumer complaint received 2021-06-18
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: CAINE & WEINER COMPANY, INC. (TN)

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.
Consumer complaint received 2020-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back. I contacted not to Long ago.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To CFPB.GOV ATTN Transunion llc This complaint is being filed due to the gross negligence Ive encountered from Transunion for their direct violations of several FCRA laws, reporting fraudulent accounts on my credit, and causing me financial duress due to their fraudulent reporting. I am including all supporting documentation to show that Ive communicated more than once with Transunion about this fraudulent bankruptcy and that I have attempted to my full ability to show them that I was a victim of identity theft ( letter sent XX/XX/XXXX ) & ( XX/XX/XXXX ). I have included in those letters the police report ( XXXX ) from the XXXX XXXX Police dept. for identity theft. Transunion ignored this as evidence. Ive also included the letter I received from the federal court house in XXXX stating that the Bankruptcy on file did not match my personal information. Again,  Transunion ignored this evidence. I had called Transunion several times since first disputing this fraudulent account and asked them who it was they verified this information with, to justify maintaining the account on my credit profile, and they never validated this account with any court house they broke the law IAW FDCPA 15 USC 1692G SEC. 809B. They stated on a call in XXXX that they only validated it with public records and in fact did not validate anything with the court house they again broke the law IAW 15 USC SEC 1692 ( G ) ( B ) FAILURE TO PROVIDE ANY LEGAL VALIDATION, which also breaks another law, IAW 15 USC SEC 16819 ( N ) CIVIL LIABILITY FOR WILFUL NON COMPLIANCE. On a side note, the letter I had received from the court house specifically states that they do NOT report any bankruptcy cases or files to any credit bureaus and will not release that information to any credit bureau IAW 11 USC 1005 CAPTION OF  PETITION. So when I found this all out and discovered that public records was really a company XXXX XXXX I communicated with them. XXXX XXXX are not connected to the federal court system at all. I disputed that information with XXXX XXXX and they have since removed it from all my public records, permanently ( see letter dated XX/XX/XXXX ). 
They understood that I was a victim of Identity theft, and apologized for any inconvenience it had caused me. 
I have included the letter from XXXX XXXX showing they deleted the record of bankruptcy off my public record. 

Because Transunion LLC is not obeying they FCRA laws, I am filing this formal complaint in hopes that they can be held accountable for their actions and gross negligence. I believe it is only fair that they be fined the maximum penalty possible due to the financial pain they have caused me. I have been denied credit several times over the past few years because of this fraudulent bankruptcy. I am considering taking this to litigation and seeking maximum fines if this account is not immediately deleted from my credit file on Transunion LLC.
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX XXXX listed on my credit file, immediately I contacted XXXX  XXXX to report fraud as I only have one credit card with XXXX XXXX which I received in XXXX. I was advise by representative, to write in about complaint. I wrote in 4 times to collection agency Portfolio Recovery, this company only sends a bill. Every time I call back they say write in they send me a bill. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but I can not keep paying for debts I that are not my own. 

Portfolio Recovery refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.