davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 9th 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. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (MS)

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against MERCHANT AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

Coinbase Account # XXXX Coinbase is a cryptocurrency platform that allows the trading of different digital currency. I have been a user of the platform for several years. Never had to deal with their customer service until XXXX when I saw that the number for two step verification was not accurate. Tried to change it manually and got locked out of my account. When I tried to sort the issue out with customer service the only response I ever got was your account will be reviewed by a specialist and we will get back to you in 5 days or less. It has been almost 30. Just the same automated messages, or no response at all. Ive sent over 20 messages to them so far asking for basic competency and just nothing. 

One of thee worst experiences Ive had with a company and Im not alone after doing thorough research. I wait, no response. I create multiple help threads, nothing. I have thousands of dollars in that account. Ive done everything on my end including provided pictures of me my ID and proper verification to have my credentials reset. Just a complete lack of competency or care. To the point where I have gotten out of character because Im basically talking to myself. Its wild. I hope whoever reads this never experiences what I and so many others have experienced. Soulless. Im trying every route to find advocacy and justice. Its heartless and disrespectful. They need to be sued. Expeditiously. The CEO needs to be fired. Something cause XXXX.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine
Consumer complaint received 2020-11-11
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. (FL)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine
Consumer complaint received 2020-11-11
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. (NC)

THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-11-11
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. (MS)

XXXX, XXXX  and Experian is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2020-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX I sent a dispute letter to XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

I submitted a complaint XX/XX/2020 inference to a account with PNC Bank. Complaint # XXXX. 
I was called inference to this account and inturn received a email that said that I could not be reached. 
I had a 20 minute conversation on XX/XX/2020 XXXX XXXX. 
She informed me that she had spoken to the teller and the teller claimed that {$460.00} was never in my account. 
I told her that I had a recorded call saying other wise. I also having a police report with a recorded body cam proving that the funds was infact there. I've had several amounts of money over time missing out of my PNC account also receiving calls of impersonators using bank employee names and having access to my information and account information. This situation has not been resolved. And my account has been closed.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (CA)

I XXXX XXXX XXXX want to file a complaint against XXXX.I am requesting validation that is competent evidence bearing my signature. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this XXXX they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate.United Revenue Corp
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I received an invitation to apply for the American Express Business Platinum Card and receive XXXX membership reward points on XX/XX/2023 offer expiring XX/XX/2023. I received another email 20 hours ago XX/XX/2023 @ XXXX. When I attempted to apply I receive the error message : " We are sorry. 
Prefer to apply by phone? XXXX XXXX our system is not responding. Please try later or call us at XXXX to apply for a Card. We apologize for any inconvenience. To learn more about other flexible solutions you can use to manage and grow your business, please return to American Express Business Credit Cards. '' When I called the number they attempted to bait and switch me to another lesser offer and told me to clear my browser cookies, that they were unable to allow me to apply for the offer over the phone and the online system erroring caused me to not be able to apply. I spent over 2 hours on the phone and was not allowed to apply to the individual offer sent to me.
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (GA)

COMPANY CONTINUEN TO VIOLATE " FDCPA & FCBA '' WITH HARRASMENT, THREATS, DEMAND OF PAYMENT ON ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY AND MISTAKE OF IDENTIY DUE TO DECEASE ( XX/XX/2020 XXXX FATHER HAS SAME NAME,
Consumer complaint received 2020-11-11
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent letters to TransUnion regarding this false information on my credit 3 months ago and they have yet to correct the issue these following items should not be on my credit and is not true 1. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 3. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. TRANS UNION Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 10. XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 12. XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 14. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (NY)

On XX/XX/20 Phoenix financial services added ( 2 ) seperate entries to my XXXX  credit report. They were listed as new, origin date XX/XX/20. My credit score dropped 25 points. 
On XX/XX/20 Phoenix financial services added another entry to my XXXX report, again reporting the origin date as XX/XX/20, dropping my score a total of 59 points. 
The entries listed the original creditor as XXXX XXXX XXXX of XXXX PA for XXXX each. 
I have not lived in nor visited a hospital in XXXX for several years. It appears that Phoenix financial services purchased an old debt ( if in fact the debt ever existed ) and attempted to present it as new, directly against the FCRA. 
I am disputing these entries with both credit agencies, however, Phoenix financial services practices are illegal and in direct violation of the FCRA so I felt it my duty to report that they are not only breaking, but flaunting the laws put forth regarding consumer protection regarding bill collection, especially medical.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have Spoken to XXXX, XXXX, XXXX all at bank of America about my account being closed was never notified and they will not release my money. I let them know i needed either a letter to provide to my landlord about them holding my money or i need it to be released so my children and i are not evicted. They were very rude and unable to assist me with my matters. I let them know i was going to report them to banking commission and that didn't matter to them. I desperately need some assistance on getting my money from the account they closed. {$1300.00} is what is in my account. I can be contacted via email. XXXX XXXX
Consumer complaint received 2020-11-11
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: Consumer Adjustment Company Incorporated (TX)

I applied for loan and found out today XX/XX/XXXX my credit was lower than normal and I couldnt apply for the loan. Normally it is around XXXX but is now down to XXXX. 

I pulled an XXXX credit report and showed {$6100.00} in open debts to a medical company I've never used, nor have I ever received a bill or collection notice from. I called them, and confirmed my info, they had my correct social, but not my correct birthday. The lady was nice and said they would put into fraud status due to the birthday being incorrect but I should contact XXXX. 

The total amount in collections is {$6100.00} from XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. My insurance would have covered this in full if it were truly my medical bill as my insurance always cover everything with the amount I have to pay on it. 

I also called the original creditor, XXXX XXXX XXXX, and they had no record of me in their system. 

The contact POC on my Credit Report for the debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Thank you XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXXXXXX XXXX Never late XXXX XXXXXXXX XXXX XXXX Never Late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX  XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXX Account never late XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX  XXXX Account is fraud not mine XXXX XXXXXXXX XXXX  XXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX  XXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine
Consumer complaint received 2020-11-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. Transunion, XXXX and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2020-11-11
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. (NC)

I've disputed with XXXX  to have 2 late payments removed from my account with Experian or any credit reporting agency filing a complaint thru CFPB on XX/XX/2020 Bridgecrest had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XX/XX/2020 with XXXX  has stated that the items should be removed byt the credit bureaus have let the items remain