davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (NJ)

I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by XXXX, TransUnion, and XXXX. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. 

The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. 

What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with XXXX, TransUnion, and XXXX reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. 

The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I may face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. 

In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Card opens through XXXX XXXX XXXX in XXXX of 2018 has been charged off or sold to another company Portfolio Recovery account status remains open on my credit report through Portfolio Recovery and reports a incorrect balance owed and timeline.
Consumer complaint received 2023-07-17
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation (TX)

I requested information about a Hard Inquiery that is unauthorized and fraudulent, there have been XXXX occasions and they have not requested my problem. It is reflected on my XXXX credit report. 

FORTIVA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have requested the company and XXXX to remove this fraudulent information from my report. 
Fortiva has responded on XXXX occasions that they can not find my information. I still demand the deletion of this information since it harms my credit report and my rights.

I will attach additional required information requested in my last claim number : XXXX
Consumer complaint received 2024-01-31
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that XXXX XXXX XXXX ). I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MI)

Shell Credit Car, Sunoco Credit Card and Meijer Credit Card all issued by Citibank recently increased rate to 34 % +. When trying to reject the change the firm makes it very difficult. Called on one and would not do it unless something was updated on the website. Why not allow rejection via website. 

When asked about the increase I was told it was caused by the increase in costs. While we have all been faced with inflation, at one time 34 % was considered usury,,,,,, I suspect they want to eliminate these products. In some cases these are the first credit cards for people. 

While I traditionally pay off the amount owed every month I need to make sure it is understood those who dont will be significantly impacted. 

THIS NEEDS TO STOP
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (CA)

Please update this inaccurate information. 

Account # : XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX Code : CoXXXX Responsible in Case of Default Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$92000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (OH)

Around XXXX of XXXX I found out that I had been a victim of identity theft at my PNC bank regarding my Student checking and savings accounts. I shared these accounts with my mother because she opened these for me when I was a minor. After speaking with a branch manager in XXXX, OH, to our surprise, we found out that there were multiple deposits made into my account ranging from {$1000.00} to {$15000.00} all coming from The Illinois Department of Employment Security ( IDES ). I currently and have always lived in Ohio and have no knowledge of these transactions. We were informed that these deposits started in XXXX of XXXX. I was unaware of these because I am a XXXX XXXX XXXX XXXX XXXX and I was not working at the time, so I had no reason to regularly check my bank accounts. The unknown person that stole my identity and account information used my name somehow to receive unemployment and have it deposited to my PNC checking and savings accounts. These were NOT my deposits and I had nothing to do with it. The unknown person also, transferred the money from my PNC accounts into another unknown account that was not mine. 

The branch manager informed me that there was an ongoing investigation. So She advised that I opened another checking account because we said we would not be using the fraudulent account anymore. I withdrew my {$100.00} that was actually mine and left the fraudulent account alone. The branch manager said she would follow-up to see if she could find anything out about the investigation and someone should be in touch with me. She also put in a dispute for me on all of the charges. Some of those disputes came back as denied stating that and error did not occur because the transfers to the unknown bank account had already processed. In the meantime, months passed by and I followed up with the manager every now and then, but they were still investigating. 

In XXXX Is when I finally received a letter from PNC stating that my account along with my mother 's additional PNC accounts had all been closed. There was no reason giving at first, but after speaking with the branch manager again she informed us that this is typical of how PNC conducts its business. They disassociate themselves from the customer and any fraudulent accounts. I also received another letter stating that I owed over {$6000.00} of debt for the fraudulent account.

They closed the fraudulent account and they also closed my 2nd student PNC accounts that I opened after the fraudulent activity. I had a balance of over $ 500+ in that account and that money was taken without permission and applied to the balance of my fraudulent account. I was also told by the branch manager that a charge off would go to me and my mothers credit report, which is ridiculous for something that we do not cause. 

Me and my mom have called PNC numerous times and have been given multiple numbers to try and get this resolved. Only ending up with no one knowing the answer and sending us in circles.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

Did a pre approval application on the Discover It card & this counted as a hard inquiry against my credit score. Im in the process of repairing my credit & was looking for an additional line of credit to add to my profile, this was not supposed to be a hard pull per the website because it used the last 4 of my SSN
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

When the COVID pandemic began in 2020 we entered into a deferral to have our mortgage payments put on pause until we could continue our monthly payments. The deferral payments were supposed to be tacked on to the end of the loan. Here we are 18 months later and we are prepared and very ready and willing, to continue our monthly mortgage payments. 

The paperwork I mailed in apparently has not reached Bank of America in their time frame. I called to get the address and was given an address that did not include the suite or included the department nor did I send it in the required envelope that I was u unaware of. 
Via the phone I was also told the payment amount was {$1700.00} which I called and paid. 

XX/XX/XXXX my husband gets a call saying our mortgage is in default because we didnt pay {$1800.00} and they dont have our paperwork on the deferral. My husband says no problem, Ill pay the extra {$100.00} right away. BOA says No, you cant do that, you must make another entire payment of {$1800.00} and you must now enter into Loan Modification! Mind you us entering into Loan Modification is highly beneficial for BOA! NOT US! And the most ludicrous part of this is that we Dont Need our payments lowered! We are Ready And Willing to continue on our same mortgage plan before COVID and pay the {$1800.00} that our payments will be from here on out. Why on Earth are we begging them to accept our payment?? Usually people cant pay and need help because they Cant pay we CAN and Want to pay! They want to force us to pay a lesser monthly amount and add 5 years of payments and interest to our loan instead! Because thats financially beneficial to BOA!! But thats a SCAM they are running on customers! All we want to do is add the 18 months of payments that were in deferment to the end of our loan and pay what they asked monthly! Unbelievable!!
Consumer complaint received 2023-07-26
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


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  I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (TX)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct EQUIFAX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXXSEE ATTACHED DOC* To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 
DISCOVER BANK XXXX.
Consumer complaint received 2023-07-26
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. (PA)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

Once again it's XXXX XXXX XXXX. This time it's their cabe company, XXXX. For reference this is the last complaint I filed ( XXXX ). Similar to that complaint it also involves returning equipment. This may be a sign of a pattern of abuse, or just gross incompetence. Either way it's harmful and extremely annoying to anyone with as high a credit score as mine, XXXX. 

I cancelled this service ( XXXX ). On three different occasions I was told that they did not want the equipment back because it was obsolete. There are recorded phone conversations and confirmation numbers for each instruction not to return the equipment, so ultimately, after the third time I felt safe enough to discard it, so I did. Then, lo and behold, the harassment resumes once again.
Consumer complaint received 2022-01-03
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: BARCLAYS BANK DELAWARE (NY)

I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.