davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-17
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)

I sent a letter to this company, XXXX XXXX XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like XXXX XXXX XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies. Experian is reporting information on my credit report that is not lawfully suppose to be there. According to the FCRA I never gave written, oral or electronic permission for this information to be furnished. Furthermore this account is not validated by the original creditor. I do no validate this debt. The reporting of this account is a violation of my FCRA rights.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MN)

The  Mobile  application f or US ba nk does n't reflect the correct available balance and can differ from the online banking website. The online banking website apparently can have an expansion window that can reflect if you are over your actual available limit where th e Mobile application does n't This can be misleading if you are using the Mobile ap plication and can think your available balance can be an amount when factually i t may not and US bank wil l access an overdraft fee regardless because it goes off the online banking website with the drop down windows. I was assessed a late fee because my account was negative  XXXX  and a  XXXX  one because it was a negative {$1.00} total between the  XXXX  transactions. You ca n't transfer anything less then {$5.00} between your accounts. I was assuming my account had {$26.00} and transferred {$5.00} to another account leaving a balance of {$8.00}. On more then  one  occasion I was charged an overdraft fee because the Mobile application was different then the online banking website.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to this company, XXXX XXXX XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like XXXX XXXX XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

In XX/XX/2017, XXXX XXXX XXXX - Banking did a charge off on a balance and closed my account. The account is listed as closed with Experian. However, XXXX XXXX  has submitted a new charge off for the same one-time charge off monthly since XX/XX/2017. My credit report says there are XXXX separate and distinct charge offs. XXXX  decreases the amount on a regular basis and submits it as a new charge. It has prevented me from getting credit and employment. I contacted XXXX  with copies of the Experian report as well as emails from XXXX  showing that I tried to pay the balance. The materials were forwarded to the head loan person. I received an email requesting the same information I had sent. I have not heard from him since. I spoke with Experian. The representative said they are all new charge offs. Can XXXX take one charge off and list it as XXXX separate new charge offs monthly for several years?
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

XXXX located in XXXX FL XXXX, the apartment complex I lived at during 2019 sent a carpet cleaning bill for {$310.00} to collections without contacting me directly about this alleged debt. This entity provided no written or electronic notice, did not provide any sort of post move out-inspection document, and did not attempt to contact me directly in regard to this matter. I Found this amount of money to be absurd for carpet cleaning. A simple XXXX search for " carpet cleaing '' comes with multiple results for {$120.00} for a 3 bedroom property. Keep in mind my apartment was a one bed, one bath apartment with around 800 sq ft of living area. Fair Collections and Outsourcing placed me on collections and damaged my credit. I disputed this debt with all the credit reporting bureau 's and successfully within 30 days of receiving a written notice and had this negative information deleted from my file on XXXX  and XXXX. XXXX, however has contacted FCO directly and is unable to determine the validity of this debt, therefore it was remained on my credit report for over one full calendar year. 

Additionally, I would also like to point out the incompetence, irresponsible management, and unresponsive administration by XXXX which has snowballed into a series of problems directly damaging my credit.
Consumer complaint received 2022-12-16
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. (NC)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I XXXX XXXX did not sign any contract with Portfolio Recovery XXXX  and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt.

Notice that it is a fact that the affiant has reason to think and does believe that Portfolio Recovery Associates XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6  ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX am aware that Portfolio Recovery Associates XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that Portfolio Recovery Associates XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( XXXX ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.
Consumer complaint received 2021-11-17
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. (IL)

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 XXXX, you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Thanks in advance to your timely response to this request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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: WELLS FARGO & COMPANY (CA)

I sent a letter to this company, WELLS FARGO XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like WELLS FARGO XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies.
Consumer complaint received 2021-04-16
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)

The following account do not belong to me. I believe that this account is erroneously reporting on my credit file. Please remove the following account from my XXXX  and Experian credit file : XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-08-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, have had money problems, as I went to school for the years, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, but for every year, I have been in contact with my student company to apply to my acct, a forbreaence or a deferment. this day they are reporting my acct to my nrw ceditors as a past due with payments, this is not the case. my acct shoul be in good standing with fair credit for all four years.
Consumer complaint received 2017-06-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (WA)

I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.
Consumer complaint received 2022-10-11
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-11
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. (LA)

I tried to submit a dispute with Transunion online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and XXXX. This same collection was removed once before on my Transunion on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I found this on my credit report. I have received phone calls in regards to this account however I they have not given me any information either by phone or in writing in regards to the money they are requesting.   PORTFOLIO RECOVERY Opened  XXXX   XXXX ,    2016  {$1800.00} That is all the information I have.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I am appalled after checking my credit report and seeing this account in collections. I have been fighting this debt for over a year. After receiving notification from a previous debt collector of this pursuit being closed, I can not believe that yet again another collection agency is attepting to this collect that is not owed. If this debt can not be validated and a signed agreement sent then this collection needs to be removed from all credit reports. It is negatively effecting my borrowing potential and it is an unlawful practice.
Consumer complaint received 2017-06-05
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. (LA)

I have been the victim of ongoing and troubling ID THEFT. I have several incorrect items reporting on my Equifax credit report. My address needs to be corrected as well as the fraud items need to be removed. Police report on file.
Consumer complaint received 2022-12-16
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)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.