davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESTERN ALLIANCE BANCORPORATION (CA)

Dear Sirs, For over 10 years my husband and I have had a joint checking account with First Independent Bank of Nevada ( alias Western Alliance after bust ). 
I have only twice had ACH Debits .... both to major companies XXXX and XXXX XXXX. 
Both for about 100 dollars. 

In XXXX my husband went into XXXX XXXX  and then returned home. He has XXXX XXXX and I have XXXX XXXX XXXX XXXX. 
I have been undergoing XXXX XXXX and I can't find a facility that can cope with him. 

End result we returned to our home of 25 years and I stated checking our bank accounts and found that Western Alliance had approved 4 ACH Debits ( one each week in the month of XXXX  ) totaling dollars. 
Each debit was from between XXXX dollars to XXXX dollars. 

When I tried finding the company ( XXXX XXXX ) I hit a brick wall. 
I spoke to the branch and they gave me a phone number that turned out to be XXXX XXXX XXXX. That they had initiated the order giving away my money. 
They could not help and the branch gave me the number for XXXX XXXX. 
They sent me directly back to XXXX  XXXX. 

So, now I feel I have been robbed by someone who is hiding behind the banks and the clearing house. So whose checking account did my meager funds wind up in. 

Since I receive about XXXXUSD in Social Security, you can understand how important this money is to me. 

Any help you can give me would be much appreciated. 
Many thanks, XXXX XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-16
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. (GA)

Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all  documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed several accounts with XXXX and Transunion but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but XXXX and Transunion refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXX  I never had a XXXX XXXX XXXX  credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have received a letter from Portfolio recovery stating about a refund on an old debt on XX/XX/2021 that was cancelled out by creditor XXXX  XXXX and already have paid taxes on the 1099-c a few years ago. The next day i was alerted to the debt on my credit report on XX/XX/2021 which was completely out of nowhere stating I owed the full amount again as if they reaged it. I tried contacting them but no avail and I cant find anything for an account number on my old debt account of this false derogatory debt owed. the only thing that portfolio have provided was a refund check i never received and it was not an attempt to collect a debt but its on my credit reports? the only thing I can find on it was a charge off that was just recently been placed on my report instead of it being on there when the charge off first happened? why wait almost 4 years to magically place this back on it?
Consumer complaint received 2020-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hillcrest Davidson & Associates (NY)

About at least two week ago, Hillcrest Davidson and Associates called me to inform me that they will take legal action if I do not respond in a timely matter. Afterwards, I contacted Hillcrest Davidson and Associates, and I was put in touch with a debt mediator. Her name is XXXX XXXX. Her number is ( XXXX ) XXXX ; ext. XXXX. Ms. XXXX told me that I have an outstanding balance of {$1600.00} dollars. She offered a settlement of {$500.00} dollars. I asked Ms. XXXX if I can send {$500.00} dollars in monthly installments. Ms. XXXX said that I could and asked me how much I can send. I told her that I can send her {$100.00} dollars a month. Ms. XXXX declined. Ms. XXXX want to settle the debt quickly, so Ms. XXXX offered {$250.00} dollars a month. I agreed. The problem is I'm currently unable to pay the first payment of {$250.00} a month because I don't have enough sufficient funds to pay the first payment of {$250.00}. I don't have enough sufficient funds because I was paying my household bills and other expenses to other debt collectors. I don't know what to do.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received an email alert from my credit card company regarding a charge from Bloomingdale.com for the amount of XXXX. I immediately contacted my Citibank to inform them that the charge was not me and to place a block on my card. I also attempted to contact Bloomingdale customer service on the same day to inform them of the fraudulent purchase. But was unsuccessful reaching someone because the company had been closed due to the Covid-19 situation. I tried calling everyday until I finally got someone from customer service today. Which was very unhelpful. I had to call the company 3 times trying to resolve this matter. But all three times the representatives would ask me for an order number on a purchase I never made. I received nothing but the run around from Bloomingdales. So I decided contacted Citibank again to file a dispute. And according to Citibank customer service rep it would be faster to contact the merchant and file a dispute with them. Because it's going to take up to 8 to 10 weeks to resolve the dispute with Citibank. Right now I am frustrated and upset becauseI don't know what to do at this point.
Consumer complaint received 2022-03-24
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. (TN)

I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE FCRA AND THE FDCPA. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. 616. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Consumer complaint received 2021-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (HI)

I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX Actions taking credit bureau is taking longer than 30 days.
Consumer complaint received 2021-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I XXXX XXXX XXXX have been dealing with CMRE Financial Services for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, CMRE has infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to CMRE that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

You will also notice in the screen shots i have submitted from my XXXX Report that CMRE has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.

THE PICTURES I HAVE UPLOADED HAVE ALL THE INFORMATION YOU WILL NEED TO HELP ME PUT WITH THIS MATTER.
Consumer complaint received 2021-03-20
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: Santander Consumer USA Holdings Inc. (CA)

i filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to CHRYSLER CAPITAL with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at  this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is  important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017
Consumer complaint received 2022-12-31
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. (NV)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-20
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. (MI)

On XX/XX/2020 I sent a certified letter to transunion to have a few inquiries removed. My letter was sent and I was notified Transunion received the letter XXXX XXXX. On XX/XX/2020 I also received a letter stating that they wouldn't be able to assist me with getting them removed. I also followed up with a phone call as well they said they will take a look into my dispute.
Consumer complaint received 2020-03-16
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. (GA)

XXXX XXXX who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I disputed several accounts with Experian and XXXX but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but Experian and XXXX  refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXXk. I never had a XXXX XXXX XXXX credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.