davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A. (SC)

My mother has XXXX, had a XXXX XXXX XXXX XXXX approach in the evening while she was by herself and sundowning and convince her to purchase security items for the house which were already in place under a previous XXXX contract. They did not furnish her with a contract or with any means of contacting the company later on. XXXX XXXX later refused to cancel the service. 

Berman and Rabin is attempting to collect {$2200.00} despite the paperwork they themselves sent to prove the debt stating that there is a balance due of {$1900.00} and my mother having paid {$1300.00}.
Consumer complaint received 2022-05-25
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  XXXX/XXXX  XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-05-25
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)

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. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
Chapter XXXX Bankruptcy XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
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)

I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX
Consumer complaint received 2022-05-25
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. (TX)

I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXr You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX  XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

Convergent Outsourcing " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Delete the Hard Inquires listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-10
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. (OH)

My credit score is going down because of this person who has their credit card on my credit score.

I don't know who it is.

Also, I'd like my credit score back to what it's supposed to be.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Delete the Hard Inquires listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
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. (NC)

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX, I sent {$30.00} to a XXXX via PayPal. It was supposed to be in exchange for a festival ticket. The individual linked to that account, XXXX XXXX accepted the payment, but never had a ticket to offer. I sent a report to PayPal and they closed my dispute without any retribution.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I made various attempts to submit proof to remove inaccurate information from my credit reports. Im attaching all documentation submitted to the bureau. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (CO)

On XXXX XX/XX/XXXX, received a form letter from Credit Systems Inc XXXX XXXX of the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX CO XXXX alleging that I owed XX/XX/XXXX XX/XX/XXXX {$640.00} from XX/XX/XXXX. I have disputed statements with XX/XX/XXXX XX/XX/XXXX dated XX/XX/XXXX and XX/XX/XXXX in which they invoiced me for an " Amount Due '' of {$150.00}. 

In both cases, I responded to those invoices disputing that balance, indicating that payment would not be forthcoming, as care provided was not what was requesting, benefits were not coordinated properly between my two insurances, care was not coordinated with my primary care dentist ( as I had made clear when I initially had visited the practice ), unnecessary services were provided ( a second planning and scaling within a benefit year without checking either with my insurance or my primary care dentist ) and what payment had already been provided by my two dental insurances should be sufficient. 

I included the three credit reporting agencies ( XXXX, XXXX, and XXXX ) on these responses. I also received confirmation emails from the office admin ( XXXX XXXX ) that each of these responses had in fact been viewed : the response to the XX/XX/XXXX statement on XX/XX/XXXX ; and the response to the XX/XX/XXXX statement on XX/XX/XXXX. I received no statements from this office in either XXXX or XXXX, nor did XXXX XXXX contact me to discuss my response. 

I initially came to the practice for treatment of a relapse of severe XX/XX/XXXX XXXX, needing XX/XX/XXXX and XXXXXX/XX/XXXX. Instead what I received were a XX/XX/XXXX and XXXX on a XX/XX/XXXX 

XXXX XXXX had replaced the original admin I had met when I first arrived at the practice. Apparently, there had been no pass-down, as on my second visit, XXXX XXXX had no idea what had been previously discussed. When I asked about coordinating benefits and coverage for my requested treatment, she sent me back to talking to the insurance companies myself, and when I asked about pre-approvals, I had to constantly remind her to submit them.
Consumer complaint received 2022-05-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XX/XX/2020 my car was involved in an accident that the insurance deemed a total loss. insurance paid out its portion ( full coverage ) while the rest was up to the GAP coverage i had on the car. my father and i are both on the car loan. while checking my credit report i saw the car had been placed into the " public record '' section. i was denied a mortgage for a home because of this. according to the the consumer rights info i read, mine and my fathers were violated. we never recieved any notice of a court hearing nor did our insurance company since GAP did not pay out as per our contract. i have filed a complaint with them as well. we paid to settle the account and it still was placed into the public notice section. i have never ever gotten notice of a court action for the car, only a call to collect the past due portion. it was paid and has a XXXX balance. also, my name is incorrect on the account on my credit
Consumer complaint received 2022-05-25
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. (MO)

I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX , that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ; XXXX ; merge with PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ; XXXX since the merge PHH MortgagesXXXX XXXX XXXX and XXXX XXXX with PHH Mortgage Services located at XXXX XXXX XXXX  XXXX New Jersey XXXX for their number is XXXX ; questions regarding merger : XXXX. PHH Mortgage has overcharged me an additional {$17.00} listed as other taxes without explanation increasing my payment unnecessarily.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

2021 my checking account with Wells Fargo was close due to overdraft fees in the amount of XXXX and XXXX this account has reported to XXXX XXXX  as a negative close account causing me to be unable to open other accounts.
Consumer complaint received 2022-05-25
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. (NY)

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

Here is the account which do not belong to me or was opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} 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 2022-05-25
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX : XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2022-05-25
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)

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

Here is the account which do not belong to me or was opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} 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 2021-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

1 ) XXXX XXXX  XXXX Account XXXX Balance : {$1900.00} Must be deleted 2 ) XXXX XXXX XXXX XXXXXXXX Account XXXX Balance : {$9100.00} Must be deleted Experian is reporting these companies listed above on my credit report for 10 years now. XXXX and XXXX have already deleted these Items off my credit report. Experian is still reporting these two accounts which is violating my consumer rights. By law, credit bureaus are only allowed to report negative items for more than 10 years. These accounts most be DELETED NOW.
Consumer complaint received 2022-05-25
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-25
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 that I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the account which do not belong to me or was opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$3300.00} 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 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To Whom it May Concern : This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquires are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1 ) XXXX XXXX  - Inquired XX/XX/XXXX XXXX ) XXXX XXXX- Inquired XX/XX/XXXX 3 ) XXXX XXXX Inquired XX/XX/XXXX 4 ) XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX  XXXX - Inquired XX/XX/XXXX 6 ) XXXX Inquired XXXX XXXX XXXX XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. This report should include all personal information, all other inquires, and all balanced updated. 

Thank you, XXXX XXXX XXXX