davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (FL)

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX  for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today
Consumer complaint received 2021-06-21
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: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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. (NY)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NY)

I paid off all medical debts years ago. This letter is a new contact years later from a debt already settled with another company. The letter is for a date of service in XXXX of 2017. If this was a valid debt it would not be the first Im hearing of it years later! Also as stated, I conscientiously paid off ALL medical debt years ago.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX. We have recently become aware of potential instances of identity theft and fraudulent activities that may involve accounts under your respective institutions. 

According to our investigation, we have reason to believe that individuals or entities have engaged in unauthorized transactions and account openings using personal information obtained through illicit means. As per our legal obligations under code 18 U.S.C. 1028A, we are required to undertake thorough inquiries to mitigate any further harm and protect the affected parties. 

Our inquiries specifically pertain to accounts associated with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We kindly request your cooperation in providing relevant information and assistance in our investigation process. This may include but is not limited to account statements, transaction histories, and any other pertinent records that could aid in identifying and resolving these issues promptly. 

Furthermore, we urge your institutions to enhance security measures and implement stringent protocols to prevent similar incidents in the future. Safeguarding customer data and ensuring the integrity of financial transactions are paramount responsibilities that require constant vigilance and proactive measures. 

Please acknowledge receipt of this inquiry at your earliest convenience, and feel free to contact us directly should you require any additional information or clarification. We appreciate your prompt attention to this matter and your cooperation in resolving these concerns. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (PA)

I have sent letters on XX/XX/21, XX/XX/21, and XX/XX/21 to the credit bureaus regarding collections accounts and I have yet to received any correspondence from them regarding my disputes. I have send each letter to the 3 credit bureaus.
Consumer complaint received 2021-06-21
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: CB1, Inc. (MT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Consumer complaint received 2023-01-21
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. (NY)

I XXXX XXXX never gave ( TransUnion ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
None of these companies have lawful authority to put any account on my consumer report. 

All accounts list below must be deleted! 
I research these are Violations under the FCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 

15 U.S. Code 1681c2 Block of information resulting from identity theft.

( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you.

Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, XXXX XXXX.
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters on XX/XX/21, XX/XX/21, and XX/XX/21 to the credit bureaus regarding collections accounts and I have yet to received any correspondence from them regarding my disputes. I have send each letter to the 3 credit bureaus.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX CA XXXX in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the XXXX to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager.  When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX XXXX where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX XXXX and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX XXXX, and I wanted to open accounts in his XXXX. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX XXXX could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have spent weeks attempting to resolve an issue with Experian. I am a trans person who has changed her name with the Social Security Administration, my state government, my employer ( the Internal Revenue Service ), and my creditors, and I have been fighting to change my name with credit reporting agencies. Currently, they have two accounts associated with my social security number, and my credit history is associated with the account under my XXXX. I can not get them to respond to phone calls or emails. I have no idea if they've even attempted to resolve my problem. My online account under my XXXX  is still active and still shows associated credit information. I can not create an online account under my new name. Experian has not helped me in the slightest.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-21
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 (NJ)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-21
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: AMERICAN EXPRESS COMPANY (NJ)

AMEX XXXX This account is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-06-21
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: BARCLAYS BANK DELAWARE (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my credit report.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I recently tried making a purchase through a private individual who offered me to adopt a puppy. Many texts, pictures, videos, and even phone calls were exchanged so this person went above and beyond to make me feel safe and secure. He even told me he was a XXXX and a family man so that he would never ever be able to do something so cruel as to scam me. In order to make a more secure transaction after thinking it was connected to a bank account, we ended up using XXXX as a form of exchanging currency. In order to use XXXX I went ahead and logged on to my mobile banking app and went ahead with the exchange. A couple of hours later and after multiple attempts to reach out to this person, I contacted Wells Fargo to see if this could be cancelled or if anything could be done. I filed a claim, contacted them again the next morning, and after waiting for about 2 hours to be helped Wells Fargo told me there was nothing they could do since it was with a private seller. I offered to provide any type of proof or documentation I had including pictures and screen shots but they said they wouldnt even start an investigation. My XXXX transaction ended up totaling {$500.00} and the other transaction made through XXXX to the same seller was of {$350.00}. XXXX however didnt even provide a customer support option. There was absolutely no way of even speaking to someone who can tell me they would even try. Its extremely heart breaking to see how someone can be so cruel to trick others like this, but its even more heartening to know that a bank Ive been with for almost my entire life wouldnt even help me or provide support with something so unfamiliar and cruel such as this.
Consumer complaint received 2021-06-21
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: Tower Loan of Mississippi, Inc. (MO)

Tower Loan, XXXX XXXX XXXX XXXX, XXXX MS XXXX has been reporting an account that they have not validated as mine nor have they sent me a valid contract proving that I have a loan with their firm. I have tried to get them to perform these tasks or simply delete this information from my credit reports. To date, no response at all. Therefore I would like the loan/account information DELETED as soon as possible! 

I have all the certified receipts from them so I know they got the notices. 

This has hurt my reputation ; severely damaged my credit thereby making it hard to get a house, car or other credit cards. 

They have also broken several federal and state laws!! 

DELETE! DELETE! 
My next step is court action. I have informed them of this option also!
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a checking account XXXX that was being charged a fee of {$40.00} and {$41.00} that I'm soposed to have in my banking account because of the measure was reported to the XXXX  XXXXXXXX to resolve the dispute to the bank Capital One with the account ending in XXXX checking. The dispute is wrong fee charged to me for my checking account and is in the total of {$82.00} along with the two charges of {$0.00} and {$0.00} dollars to a total of {$82.00} from the dates XX/XX/XXXX and the dispute charges were given on XX/XX/XXXX as a whole and then taken on the XX/XX/XXXX XXXX