davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (PA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Consumer complaint received 2023-02-08
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. (TX)

XXXX XXXX is reporting a charged off account on my credit reports. When I looked at my reports and saw this account I found that each bureau was reporting drastically different information and I find that funny because if all three credit bureaus get their information from the same place, how can they all report multiple inaccuracies? It is illegal for the bureaus to report inaccurate information on a consumers report and I am requesting that this account is deleted from my reports given that they are in violation of the consumer laws.
Consumer complaint received 2022-10-27
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. (CA)

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (NY)

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

In XXXX, I transferred {$6000.00} to Barclays for a fee of 4 % ( {$240.00} ) with a promotional balance transfer of 0 % until XX/XX/XXXX. Since that time, if not before, they have been inappropriately applying payments resulting in accrued interest charges. 

For example, on XX/XX/XXXX, I made a payment of {$1000.00} which was inappropriately applied to my promotional balance instead of my balance accruing interest. On XX/XX/XXXX, I made another payment of {$200.00} which was also incorrectly applied. 

My statement balance as of XX/XX/XXXX was {$2000.00}. Since that time, I have made payments of {$1500.00} and Barclay made one credit of {$64.00} to my account. Purchases of {$53.00}, an annual fee of {$89.00}, and {$100.00} in interest has been charged to the account. 

I was assured that neither the balance transfer fee ( {$240.00} ) nor the {$6000.00} promotional balance was accruing interest. However, the numbers simply do not add up and none of the representatives or managers I spoke with were able to adequately explain their interest calculations. 

I was told by a manager ( XXXX XXXX today that the " Interest Charge Calculation '' section of the statement was only projected numbers and should not be relied upon. This is very concerning to me.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (NC)

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. 
All companies listed below have violated my rights. 

XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCOUNT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX Bank - ACCT # : XXXX XXXX / Dept. of Ed - ACCT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCT # : XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX - ACCT # : XXXX PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$3300.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, CA XXXX, BANK OF AMERICA XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is a follow up to my original complaint dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX. 

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

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Misuse of my credit report.

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-03-02
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. (MI)

Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with XXXX  over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (MI)

I was referred to my XXXX XXXXXXXX XXXX XXXX for an annual XXXX exam. At the time I believe this was in XXXX. I had XXXX previous annual exams with XXXX XXXX with no billing issues. I am on XXXX but was also on my wife 's insurance plan through XXXX XXXX XXXX. I advised XXXX XXXX 's medical staff on many occasions that my XXXX was the primary and XXXX was the secondary. I also advised them due to an error with my driver 's license my birthday was listed incorrectly by XXXX. I advised the medical staff for XXXX use XXXX and for XXXX use XX/XX/XXXX. This was not an issue previously but it has become XXXX now. XXXX XXXX office either submitted to the wrong insurance as primary and it was rejected. I believe it was submitted several times to XXXX because XXXX has limits on what they would pay out. My annual XXXX exam was surely covered by XXXX. I believe time elasped ( XXXX ) months before it was submitted to XXXX and it was denied at that point. XXXX only gives 12 months to submit a claim as I was told. So, XXXX XXXX 's office sold my bill instead of eating the charges due to employee ( XXXX ) error sold my bill to a collector Lockhart Morris & Montgomery. I never received any notices from Lockhart Morris & Montgomery which legally they should do initially! What I did receive from them is a severe injury on my credit report. My credit report dropped by XXXX points in that instance. Lockhart Morris & Montgomery initially listed themselves on my credit file as a creditor. This is a clear violation of my rights under The Fair Debt Collection Pratices ( 15 USC 1692 et seq. ) Also by misrepresenting themselves initially on my credit report as a creditor. The amount that shows on my report owed is {$960.00}. Which if true, would mean my debt was purchased for $ XXXX dollars and my reputation has been severely stained and injured for such amount. I would like this unvalidated charge removed off of my reports with all CRA 's immediately. I would like the CFPB to look deeply into the collection practices of Lockhart Morris & Montgomery!
Consumer complaint received 2024-06-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

XXXX  offers easy-to-open and fund CDs ( Certificates of Deposit ) on their website. Everything can be done online over their website from creating the account to funding the CD. An external bank can easily be connected to your account and it can be accessed to fund the CD. After the CD matures Synchrony Bank makes it impossible to close the CD and transfer the money back to your external bank using their website. Instead, you must call a phone number, wait on hold, and jump through hoops to close the CD. 

The federal goverment/ FTC has recently enacted " click to cancel '' laws to prevent subscription services from these practices that are overly burdensome to consumers. These laws should apply to banks for these tactics and Synchrony Bank should be highlighted as an offender.