davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

I sent LexisNexis two invoices for {$1000.00} each for their violation of 15 U.S. Code 1681b Permissible Purpose of Consumer Reports. Back in XX/XX/2021after I disputed a bankruptcy on my LexisNexis report, LexisNexis sent me a response letter to inform me that they had removed the bankruptcy from my report in accordance with the FCRA 15 U.S. Code 1681b. LexisNexis admitted their violation of this Consumer Law, by furnishing XXXX and XXXX my Bankruptcy information for a profit. The Law mentioned above clearly states what a permissible purpose is and that the ConsumeXXXX shall have consented, orally, in writing, or electronically to the procurement of the report by that person, in which I did not consent to. 

XXXX and XXXX has also confirmed that they received my bankruptcy information from LexisNexis after I conducted a dispute with them both. When I called LexisNexis on XX/XX/21 they gave me the run around and indicated that they didn't see my invoices I sent them. I informed LexisNexis that I sent the invoices via priority mail and that I have a tracking number that proves they received it on XX/XX/2021.All documents are attached to this complaint that will be needed for proof. I informed LexisNexis that the FCRA states that for every violation of the FCRA it can range anywhere from {$100.00} to {$1000.00}, and by them illegally reporting my bankruptcy information to the credit bureaus, it has caused problems. I have attached to this complaint a letter from XXXX Credit Card XXXX, informing me that I was turned down for credit because of a bankruptcy being reported on my credit report. I need for LexisNexis to honor these invoices attached to this complaint since they claim they can't find them, I'm sending them to LexisNexis again, so please see the attachments LexisNexis.
Consumer complaint received 2021-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

I wish to file a complaint on Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. I received a notice from this debt collection company ( XX/XX/21 ) who states that XXXX XXXX, a company that I have open complaints against, have contracted them to collect a debt from me ( {$4400.00} ) that I did not accrue as I was the victim of fraud that was committed on my bank account. Their attempts to collect an unverified debt violates my rights under the fair credit and the fair debt collection practices acts respectively. Specifically, the debt is not owed and was generated and determined by XXXX XXXX  without any basis of fact. 3rd party collection agencies have a legal responsibility to validate a debt before initiating collection proceedings.
Consumer complaint received 2021-02-07
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)

am writing to block and delete the following information in my file. The item I need deleted is in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's. identity Theft Affidavit
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FirstPoint Collection Resources (VA)

I was reviewing my XXXX  credit report and noticed a collection account for some company called Firstpoint Collection. I never received any written correspondence from them alledging I owe this debt of {$40.00}. 

Never received any documentation that I had right to validate the debt. 

FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. 

I am demanding them remove this from my account until the debt is properly validated. 

This company has over 100 CFPB complaints for dubious collection activities.
Consumer complaint received 2021-02-06
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to The Gramm-Leach Bliley Act seeks to protect consumer financial privacy and nonpublic personal information which Bank of America is invading my privacy and nonpublic personal information. According to the Gramm-Leach Bliley act I the consumer have the right to opt-out ( which Bank of America NEVER disclosed to me that I have the right to do so ) if I don't want my information shared with certain nonaffiliated 3rd parties. Im exercising my rights to opt-out not to allow Bank of America to have or distribute my Nonpublic personal information. in attachment this is all included in ( NPI )
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX of 2020 two fraudulent transactions totaling {$4700.00} were posted into my checking account which I share with my dad. Each of us have a separate debit cards linked to the same account. I reside in the state of XXXX and my dad resides outside the U.S and have been in possession of his debit card since XXXX of 2020. The fraudulent debit card transaction are from my dad 's debit card from merchants located in XXXX florida, so it's impossible that either of us made the fraudulent purchase in XXXX. The only possible explanation is that the debit card was clonned. I disputed the transactions under claim number XXXX. Bofa initially closed the claim but reopened after I provided ample proof that neither I nor my Dad where in Florida during those dates. I clearly informed the bank that this situation is causing a significant financial hardship to my family and we requested a full reimbursement
Consumer complaint received 2021-02-07
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. (WA)

Information provided incorrectly states that proportion of balances to credit limits is too high on bank revolving and other revolving accounts ; amount owed is too high. 

Each account we have is paid in full each month. This is true for all our accounts with the exception of our home mortgage. That payment is made on time each month.
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed my Student loans were not reporting a correct status. The accounts under dispute should have been at a current status due to trump executive order student loan forbearance my US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX loans should not be reported as in collections. This is an error under 15 U.S.C. 1681-1681x 609 FCRA and FDCPA.
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX, I received an alert from my credit monitoring service that a " New '' collection account had been added to my report. I viewed the report and it was from National Credit Adjusters for {$900.00}. The account says it was open in XX/XX/XXXX. This is the first time I have ever heard of this company. I have no knowledge of this debt nor was I properly notified prior to inserting this false information on my credit report. I was not notified in writing of the alleged debt and given the opportunity to exercise my legal right to dispute the validity of this debt. This company has provided inaccurate information to the credit bureaus in an attempt to tarnish my credit worthiness. I would like for this entry to be deleted immediately and a letter from NCA stating that it has been removed and my credit report will be updated. I would also like them to cease all collection attempts on this unknown debt.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

M & T Bank Claim Number # XXXX. I called and disputed the charge of {$150.00} that was charged to my account on XX/XX/XXXX by XXXX as i have not booked anything in a very long time. On letter dated XX/XX/XXXX M & T Bank sent me a letter stated they are denying my claim due to an email i use for the booking. I have since logged into that account and the last time a booking was made to that account was on XX/XX/XXXX. There was no more bookings used after that with that account listing with the email. I do not see any documents that show if or who actually went to the hotel.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 an obviously fraudulent transaction taking {$22000.00} from my checking account was allowed by Wells Fargo. I reported it upon discovery on XXXX XXXX. I asked for an expedited inquiry because my partner and I are away from our XXXX, TX XXXX for some months in order for him to receive a XXXX transplant in XXXX, OH. The stolen funds were and are needed to be able to pay our bills over these months. At first I was told that their aim was to resolve matters by XX/XX/XXXX. Then, I was told XX/XX/XXXX. Now I am told XX/XX/XXXX, but they will try and have an XXXX call me in the next few days. To me that means NO XXXX has done anything to clear things up and return my funds. 

I realize that for Wells Fargo, this XXXX be business as usual, but for me this has created a crisis. I closed that account and opened a new one, but have to specifically call and authorize each transaction so that MORE fraudulent transactions are not automatically forwarded to the new account. I could not even get hold of my new account number for some days. They told me to go in to a local branch with my ID, but Wells Fargo has closed every branch bank within XXXX miles of my location. 

Please help me get someone to do something. The check ( for which no check image is available ) was not authorized by me. Does this mean that anyone who has my account and the bank routing number can rob me with impunity? Is there no motivation for the bank to resolve this expeditiously?
Consumer complaint received 2021-02-07
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my account.
Consumer complaint received 2021-02-06
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)

To Whom It May Concern, This complaint is regarding my XXXX, XXXX, and TransUnion credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint because CAPITAL ONE AUTO FINANCE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accouts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2022-04-20
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: CITIBANK, N.A. (GA)

I have filled a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a debt on my credit report, from a company named XXXX XXXX  XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. Experian is aware of my stolen identity. I reported to Experian that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Experian to remove this debt from my credit report.
Consumer complaint received 2021-02-07
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. (TX)

I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : https : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i reviewed my credit and seen these 3 accounts on my credit report that do not belong to me so i added a fraud alert and filed a FTC report and a identity theft victims complaint and affidavit so i can have these fraudulent accounts removed.
Consumer complaint received 2024-03-21
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2021-02-07
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: SYNCHRONY FINANCIAL (SD)

I pulled my XXXX  credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a SyncBAmazon account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : SYNCBAMAZON XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with XXXX asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called SyncBAmazon on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify XXXX that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called SyncBAmazon again on XX/XX/2020. They said they had already notified XXXX  that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both XXXX  AND SyncBAmazon. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.