davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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 {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

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

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The three business bureau did not investigate anything. I also showed them proof that it was not me and they still didnt remove The inquiries after I told them it was not me. I asked them nicely to investigate. I wrote them letters and they did nothing Under the stipulations of 15 US Code 1681 ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. 
This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report
Consumer complaint received 2022-05-13
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. (PA)

CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}.

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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

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

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3300.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

This company is stating that I owe them money. Its on my credit but, U don't have a signed contract with them. This account has been on my FTC report and I have disputed it with the credit bureaus.
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Three issues exist against Caine & Weiner : 1. They recorded my telephone call on XX/XX/2020 and didn't give me any notice of any kind until I asked if the call was being recorded. This is a violation of Cal Penal Code 632. " CIPA. '' 2. I asked them to provide me with documentation between he original creditor and I and they failed to produce. They are attempting to collect on a debt not authorized by an original contract or permitted by law and in doing so are in violation of the FDCPA. 

3. There wasn't a mini-miranda given on the XX/XX/2020 telephone call stating " This is an attempt to collect on a debt and any information obtained will be used for that purpose. '' I am now represented by an attorney, but not lawsuits have been filed. Caine and Weiner need to contact my representative to discuss resolution to the violations. 

Please contact XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XXXX continues to sale a collections account in the amount of {$2400.00} that does not belong to me To date, they have sold a passed my information to 5 companies. I am not the owner of this account. I do not have nor have I ever had an account with XXXX XXXX XXXX or its affiliates. Each time I dispute this matter, months later it reoccurs as a problem. On XX/XX/XXXX I will follow suit. This issue has taken up a lot of my time and energy and I refuse to suffer from this matter and further. Currently, the company reporting this inaccurate, false, denominational information to my credit is a company called Credence Resource Management. This information was reported to my credit account on XX/XX/2020. Each time the account is removed only to resurface 5 to 6 months later. I have never received any collection documents, phone calls or any form of communication from XXXX XXXX XXXX or its affiliates other than the account being placed on my credit. 

I would like this information published immediately so that the people whom are suffering from the false and inaccurate and negative information these companies are allowed to publish on their personal credit. I will use whatever resources available to me via the allow to pursue this issue.
Consumer complaint received 2020-12-19
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: EQUIFAX, INC. (AL)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

I checked my credit and saw two accounts from IC Systems for XXXX XXXX XXXX for {$1000.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$250.00} for each, totaling {$500.00} to settle for a deletion.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/19 I contacted Bank of America to see what options they had for me to do a balance transfer. I currently have a credit card with them, with a limit of {$31000.00} that don't have a balance, and wanted to see what options they had, if I wanted to do a balance transfer. The agent mentioned that they did offer a balance transfer but the term were shorter than what I wanted using my current card. The agent said that I could apply for a different card that offers zero percent for 15 months, and there was no transfer fee do to the balance transfer. He said he would put in the request to transfer {$22000.00} to pay off my other card, and then open the new card. I agreed to apply for the new card, but he only requested my personal information and not my husbands. I asked why he did not need my husbands info, since my husband makes all most all the household income. He said he didn't need it, that its all based on just myself and the entire household income. After I completed the application over the phone, I asked what was I approved for, and he said he didn't know and I would need to call back the next day to see. I questioned why he didn't know the how much I was approved for, and all he said was to call back the next day. I asked, what if I'm not approved for the {$22000.00} requested, he said no problem, we will just use your current card that has a limit of {$31000.00} and put the rest on it, and still give you 15 months zero percent and no transfer fee using my current card. I questioned why didn't you just use that card, and give me that offer? He didn't know, just said to call back the next day. I called today XX/XX/19 and was told I was approved for {$16000.00} on the new card, and would get 15 months zero percent, no transfer fee, but that was all. I gave my story again that I was told the rest would be applied to my current card and receive the same zero percent for 15 month was and no transfer fee, but the agent said they won't do that. I asked for a manger and spoke to XXXX was a resolution agent, gave her my same story again, but again she would't honor what the original agent promised me. I told her to pull the recording so she could hear exactly what I was promised. I told her I feel that I was totally mislead and why was my credit pulled, and offered a new card, when they wouldn't do what he promised me? XXXX said all she can do, is transfer the of the {$16000.00} and do zero percent for 15 months and no transfer fee, but that was all. I'm XXXX years old, have perfect credit, didn't need another credit card, but feel like Bank of America totally mislead me, and now has pulled my credit, and won't honor what they told me.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the fair credit reporting at 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 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-19
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: Experian Information Solutions Inc. (AL)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX,XX/XX/XXXXI am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [XX/XX/XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-19
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. (TN)

Experian is continuing to report an account with XXXX as an open account when in fact it is closed and has been removed from my credit report by the other credit bureaus for reporting inaccurate information.
Consumer complaint received 2019-06-28
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: EQUIFAX, INC. (VA)

An unauthorized account appeared on my credit report. I unsuccessfully attempted to contact Equifax to rectify the problem. I called the following numbers : XXXX XXXX XXXX XXXX XXXX The only number that I was able to reach anyone at was XXXX. The representative at this number told me I needed to call XXXX to file a dispute. I called that number twice and it rings for a long time until a I receive a recording that says something like there is no one avail take your call. Were sorry but your call will now be disconnected The other numbers I received from the chat function on the Equifax website.
Consumer complaint received 2022-10-19
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

As of XX/XX/2022 credit reporting agency XXXX continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that 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 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge XXXX needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my XXXX consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my XXXX consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Consumer complaint received 2020-12-19
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. (SC)

I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on Expieran and XXXX to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Collection Receivables, Inc. (SC)

They contacted me about my debt XXXX weeks ago. I paid them XXXX dollars. Today they called a place that I did not work and spoke to an employee that was not me about my debt and that I need to pay them. They told them where the debt is and how much to the point where the person is telling me word for word that I owe XXXX XXXX. In addition they called my spouse and told him also about the debt that I owe.. 
They have also been contacting me on blocked numbers. 
Im BEYOND embarrassed.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (FL)

Experian has not removed a item from my credit that was removed by XXXX  and per XXXX  is about to be removed : I item is passed the time for reporting to my credit. it was removed, sold and put on as a brand new claim. I paid off my XXXX  account as well. So it was paid off and it also was removed by XXXX, then result, doubling the time on my report. 
so not only was it paid but time already lapsed on it and XXXX removed it themselve, they then sold it and the new company restarted the time XXXX XXXX XXXX XXXX the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX XXXX and managenent was also removed by the other berues as it was found not accurate and was paid long ago XXXX  XXXX  XXXX for XXXX also removed for same reasons, they could not verify the information and it was paid by insurance they also are not reporting my rent of XXXX each month when it is reported to them I was also effected by covid and i tried reporting this but they will not allow me to report anything i used a credit repair agency and thye made things worse so now i cant dispute with experian as they say investigations were already done, but i do not know what the credit repair agency told them how can i report a dispute if they block me XXXX  amazing company only issue is the rent is not reporting the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX  amazing company the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments