davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX and XXXX  when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

After notifying the bank of fraudulent activity on my account after I noticed that three transactions I did not complete were debited, the bank only refunded two of the three fraudulent activities. I have opened three claims with the company and they were closed after not refunding me the third transaction in the amount of {$150.00}. There has been no explanation of the reasoning for closing the third claim for the third transaction iao {$150.00}. The first claim was supposed to include all three transactions but the representative neglected to include the third ( pending at the time ) amount so the second claim had to be opened. The bank says that I answered one of the questions incorrectly so that disqualified me from a reimbursement of stolen money. After speaking to a manger he told me that the transactions were all made online from different areas so based on that information he would open an additional claim. I have now received written notification that they are closing that claim without refunding me the third fraudulent transaction iao {$150.00}. The bank does not seem to care that {$150.00} is a lot of money for me to be missing and as a consumer who has trusted them with the care of my money I will be closing my account due to this issue.
Consumer complaint received 2018-09-04
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: CREDIT ACCEPTANCE CORPORATION (SC)

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Since XX/XX/2020 someone opened credit card on XXXX as my name, and bill went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX Seller : XXXX XXXX Merchant : XXXX Current Creditor : PORTFOLIO RECOVERY ASSOCIATES. Balance : {$800.00} But until recently I received this bill at my XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (CA)

In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all XXXX credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, XXXX and Experian in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section XXXX. I send the police reports XXXX  times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus are required to removed items if not verified within XXXX days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

I received a report that XXXX XXXX people are owed serious cash from Wells Fargo if I had a mortgage with them. I do believe that I was over charged on my payments during the years of XXXX to the rear of XXXX on my mortgage. I want to file a complaint for those years of over payment.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ATTENTION TO XXXX XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-12-29
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. (PA)

To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of Identity Theft, and my personal information was used or tried to be used to obtain services and goods without my consent or permission. I request that the following information listed in this report and this statement be removed immediately. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-08
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. (WI)

On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX account, XXXX XXXX account and XXXX XXXX account using a credit score more than 60 days old. Equifax continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. Equifax reporting scores are nearly 100 points less than XXXX  and XXXX. This is affecting my ability to obtain credit with companies that use Equifax for reporting.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC (TX)

TODAY : XX/XX/19 I RECEIVED A THREATENING PHONE CALL ABOUT A MEDICAL DEBT THAT OWE FROM A REPRESENTATIVE AT ELEVATE RECOVERIES. I HAD NO IDEA THAT THE DEBT WAS EVER OWED DUE TO THE FACT THAT I MEDICAL INSURANCE COVERAGE AND HAD NEVER BEEN CONTACTED ABOUT THE DEBT IN THE PAST. I ADVISE THE REPRESENTATIVE THAT ONCE SHE SENDS THE STATEMENT TO ME IN THE MAIL I CAN PROCEED TO LOOKING OVER MY FINANCES TO SEE IF THIS IS SOMETHING THAT I CAN AFFORD TO PAYOFF OR MAKE PAYMENTS ON. SHE BEGAN TO BADGE ME OFFERING SETTLEMENTS, ADVISING THAT THE ACCOUNT WOULD IMPACT MY CREDIT, AND JUST REFUSED TO ACCEPT THE FACT THAT I WAS NOT ABLE TO PAY ON THE ACCOUNT AND I HAVE NO KNOWLEDGE OF EVER OWING FOR THIS DEBT. I ASKED THAT SHE REMOVES MY ***CELL PHONE NUMBER*** FROM THEIR DATABASE, SHE PROCEEDED TO BEING VERY CONDESENDING, PRACTICING DECEPTIVE COLLECTING ON MY ACCOUNT, SPEAKING OVER ME AND TELLING ME THAT SHE WOULD CONTINUE CALLING ME ABOUT THIS ACCOUNT BECAUSE I OWE THE DEBT. SHE WAS RUDE, YELLING, AND KEPT REMINDING ME THAT I OWED THE DEBT AND BECAUSE I PROVIDED MY CELL PHONE SHE WOULD CONTINUE TO USE IT. WHEN I ASKED FOR A SUPERVISOR SHE SAID THAT NO ONE WAS AVAILABLE AND EVENTUALLY JUST HUNG UP ON ME. I CALLED BACK SPOKE WITH A SUPERVISOR AND HE TOO KEPT BADGERING ME ABOUT PAYING OFF THE DEBT. HE OPENLY ADMITTED THAT ELEVATE RECOVERIES **DOES NOT REPORT TO CREDIT BUREUAS** ; I ASKED IF YOU DO NOT REPORT TO CBR ; WHY ARE YOU ALL USING THAT AS A REBUTTAL TO SCARE P [ PEOPLE INTO PAYING THESE DEBTS? HE SAID THAT WE JUST HAVE TO MAKE CUSTOMERS AWARE. I TOLD THE SUPERVISOR, IF YOU ALL ARE NOT THE ONES TO DO ANY REPORTING THEN THREATENING ME TO PAY BECAUSE ITS IMPACTING MY CREDIT IS A DECEPTIVE COLLECTION PRACTICE.
Consumer complaint received 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2023-07-26
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)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A company listed as XXXX XXXX XXXX CA has been apparently charging me every month XXXX since XXXX. 

I never signed up for anything like this. Bank of America 's only response was that " We confirmed the charge ( s ) is a subscription or reoccurring bill that you've paid in the past. '' There is no proof that I've ever signed up for this. When I googled the company and the phone number in the name, the majority of search results say that this is a scam that upon calling, fishes for peoples ' personal information. I don't understand how Bank of America is not recognizing this as fraud.
Consumer complaint received 2023-07-26
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. (LA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (FL)

Since XX/XX/2023 I have been trying to get my credit report updated with correct information. I have disputed incorrect information on my credit report XXXX times via Certified XXXX mail and on Transunion 's website. I explained that the bankruptcy record was incorrect and asked for the deletion of the record. explained to Transunion how the information being reported was incorrect. I also disputed the information with XXXX, a known data furnisher. The bureau failed to remove the record from my profile, despite erroneously and impartially reporting data about me. I educated myself on my consumer rights. To my understanding, all information being reported about me must be thoroughly correct, otherwise, it should be removed from my credit report. After several attempts, Transunion has failed to remove the incorrect record. I also requested information on how Transunion investigated and validated the erroneous information. I asked who furnished it. 
XXXX provided me with a letter stating that they contacted Transunion to update them regarding unverifiable consumer data. I have attached that letter. Transunion has not removed the public record from my report nor have they told me who validated the information.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I was checking my credit and noticed this company was reporting a debt that is not mine. I sent them 2 letters explaining this is not mine. They never answered and continue to report. I believe this company is a scam and is trying to hurt my credit to collect funds.
Consumer complaint received 2023-07-26
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 I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 2019-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have never received any notification, written nor verbal regarding any debt or amount still owed to XXXX   Hospital. The only way I found out was when my credit was checked by an authorized company. The amount stated on my credit reports is {$110.00} owed from XX/XX/2018. I have attached the letter I sent to XXXX XXXX XXXX with a copy of my bank account entry from XX/XX/2018, showing I paid this on the date of my hospital visit. It was never past due.
Consumer complaint received 2015-10-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

My boyfriend received a call at work from XXXX XXXX XXXX XXXX asking for me. He asked who it was and they would not give him any information. They asked if I was there to talk and he said, " No. '' Then, they hung up. I searched out the phone number and found it was for a company called " Portfolio Recovery Associates, '' which is a collection agency. There are also several reports online about this company trying to scam people out of money by claiming that they have an unpaid debt owing. I am not aware of anything that I might be owing to or through this company.
Consumer complaint received 2019-04-08
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: Bread Financial Holdings, Inc. (WI)

On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX  account, XXXX XXXX account and XXXX XXXX  account using a credit score more than 60 days old. XXXX continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. XXXX reporting scores are nearly 100 points less than XXXX and XXXX. This is affecting my ability to obtain credit with companies that use XXXX for reporting.