davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-31
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. (NV)

Remove the inaccuracy reporting on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... XXXX credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history
Consumer complaint received 2019-07-31
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. (NV)

Remove the inaccuracy reporting on the following accounts : XXXXXXXX XXXX XXXX****, XXXX/XXXX  XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX**** ... 3 credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (ME)

filed a complaint with them already threw her debt is from XXXX there response threw her was they did not have info on me now they sent me a collection letter today. asking to deal with them instead of you guys ; its past statue of limations dont remember having XXXX did not send info about the account no right to dispute to. my last name was brand so they have no exuse this time not finding me
Consumer complaint received 2022-12-06
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: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXXXXXX XXXX has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN XXXX days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (TX)

I currently owe a military debt to XXXX. I have already paid XXXX of that debt. I am currently having surgeries. I ca n't not pay at this moment. They call at least 5 times a day. I have decided to stop calling them back and cease all communication at this time as it is hurting my ability to work as well. They want an update at least once every few days on my situation. They are not my attorney or doctor and I do not need to tell them anything. When I would pick up their calls they would never identify themselves until after the notification of the debt. This is not only deceptive but illegal under law. They have also used different types of numbers. Just today alone I was called 6 times.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

XX/XX/year> Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief.

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card.

Update Address and Name to FRAUDUENT ADDRESSES that may appear but do not belong to me. please remove and delete the following :
Consumer complaint received 2022-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from my credit report.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

In XX/XX/XXXX my husband and I divorced after 30+ years of marriage. We did not have attorneys but came to an amicable agreement on terms and I was awarded the home at XXXX XXXX XXXX as part of the agreement. We were in bankruptcy at the time but our home wasn't in bankruptcy and we thought I would be able to refinance. We found out I couldn't so we entered into an agreement where my ex-husband would pay me {$500.00} per month towards the mortgage as it was previously financed using his income and he was still on the mortgage. We planned to have him sign the quit claim after the bankruptcy was completed. He failed to keep his end of the agreement causing me to fall behind in mortgage payments starting XX/XX/XXXX. The bankruptcy was completed in XX/XX/XXXX and he has refused to sign the Quit Claim in order for me to refinance. On XX/XX/XXXX we went to court where the judge ordered him to sign the Quit Claim to remove him from the Title and Deed to the property at the closing of the refinance. I have tried forebearance loans, forgiveness programs through XXXX, refinancing but either XXXX XXXX XXXX is needed to send his documents and sign for the forebearance and he won't or he is needed to sign the Quit Claim ( I had a refinance ready and was at the closing in XX/XX/XXXX ) but he won't. I am currently in Covid Forebearance with Truist. They have reported to my credit that my balance is XXXX XXXX and that I'm not behind but they will not produce a current statement with the same information and I need this to refinance with a current lender. Truist promised to help but is not giving me the documentation they promised and that I need to move forward and save my home.
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency (CA)

This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
Consumer complaint received 2022-10-10
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MI)

I know Comenity Bank updated their system a few months ago and it caused many errors on their website. They closed my J.Crew credit card three times : XXXX, XXXX, and XXXX. I am concerned because it will affect my credit score. It got to STOP.
Consumer complaint received 2022-03-14
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. (OH)

I checked my credit report and recognize that there were some unauthorized inquiries on my XXXX, and equifax credit report. 

XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) regarding their handling of my dispute regarding inaccuracies on my credit report. 

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. Along with my dispute letter, I included copies of my photo ID, social security card, and a recent bill to assist TransUnion in verifying my identity and address. 

However, on XX/XX/year>, I received a response from TransUnion stating that they were unable to process my request because it did not appear to have been sent directly by me or a properly authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable investigation into the completeness and accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, if a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's failure to do so constitutes a violation of my consumer rights.
Consumer complaint received 2022-10-10
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a Dept Balance of XXXX from Portfolio Recovery Associates , LLC. 

The Dept was charged by XXXX XXXX XXXX. 

The purchases were made outside of the state I live in & I have never had a XXXX XXXX Bank account. 

Please help resolve this issue. 

Best, XXXX
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (PA)

RE : UNAUTHORIZED INQUIRY To Whom It May Concern, I reviewed a copy of my credit report and noticed some unauthorized inquiries. According to the Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of the consumer must provide consent. I did not authorize the inquiries listed below. 

XXXX XXXXXXXX XXXX Date : XX/XX/2022 XXXXXXXX XXXX, Date : XX/XX/2022 XXXX XXXX, Date : XX/XX/2022 XXXX XXXX  XXXX Date : XX/XX/2022
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrectly. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (TX)

I have reached out several times to First Progress bank in regards to my refund. I feel like they aren't processing my refund out of spite, because I submitted another complaint on them before in regards to my refund. I closed my credit card account with First Progress bank on XX/XX/2023. They told me that it could take 70 days no later than ten weeks for me to get my {$950.00} back. I have called and called and called them. They out source to the XXXX XXXX for their call center, so the people on the other side of the line either don't understand, nor don't have any information to provide to me. I'm at my wits end with trying to reach out to them to get the money that is mine returned to me. I have waited patiently for their 70 days- ten week policy, but now I just feel like I'm either being taken advantage of, or they don't care. Like I told them, I I don't have a check in my hand for the {$950.00} they owe me ( MY MONEY ), then I'm filing a lawsuit, for loss, amongst other things, and I'm an attorney. I really don't think they want to deal with my legal drama. All I want is my money back, and never to do business with them again.
Consumer complaint received 2019-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MN)

Have been using the Venmo app for almost 3 years. I was told on XX/XX/2019 that my account has been frozen due to unauthorized transactions and behavior not consistent with user agreement. I immediately questioned them about this through chat and phone and was told they would look further into it. On XX/XX/2019 I was told After thorough review of your transaction history and account activity, we did not locate any signs of account compromise or unusual device/location logins for this payment activity to be submitted. I have no record nor any feedback about how this issue came up and was immediately shut down by the Venmo support team. I was treated like a suspect and was threatened with collection action if I dont pay them this imaginary debt. I recently tried to log into my Venmo account ( XX/XX/2019 ) only to find out it was permanently closed, which prompted me to message the Venmo support team and inquire about the debt again. I received no human feedback rather a automated response saying : Venmo is at its sole discretion to deactivate accounts for activity we deem high risk at any time, per the terms of our User Agreement. I apologize that we're no longer able to serve you. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs.When cases like this arise we do not release detailed information on our internal risk procedures for the ongoing security of our users and our platform. 

I am being told I owe {$700.00} for transactions not made by me nor authorized by me, yet am being accused and threatened with collection action. This is ridiculous treatment by a crooked company who clearly is looking to take advantage of its customers.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX ( Original Creditor:XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX  ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance OwedXXXX XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2021-04-14
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)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : USBK COURT XXXX  PENNSYLVANIA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I have attached ID Theft Report XXXX with this complaint. Please review.
Consumer complaint received 2019-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from Mercantile Adjustment Bureau , LLC on XX/XX/2019 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector, Mercantile Adjustment Bureau , LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Mercantile Adjustment Bureau , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Mercantile Adjustment Bureau , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Mercantile Adjustment Bureau , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}.