davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (NY)

My name 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 XXXX XXXX Code XXXX 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 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting an account on my credit file on a debt I no longer owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and settled the debt with them. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Consumer complaint received 2022-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( 5/3 BANK NA ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-07-05
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. (GA)

To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : 1. XXXX Account # XXXX XXXX. XXXX XXXX ( XXXX XXXX : XXXX ) Account # XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. XXXX ( Original Creiditor : XXXX XXXX ) Account # XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent to do so. 
Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
ACCOUNTS : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX ( Original Creiditor : XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-07-05
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. (PA)

In accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I requested on XX/XX/2022 that the XXXX credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORO OC, LLC (KY)

In 2017, I enrolled in a Public Service Loan Forgiveness Program through XXXX. I have made monthly payments for the past two years. On Friday I spoke with someone from the XXXX and was told that no payment has been made on my outstanding balances for over a year. I have no idea of where that money has been going. I emailed the contact person I had with XXXX and have yet to receive a response.
Consumer complaint received 2022-02-12
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. (MI)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$910.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-23
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. (TX)

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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Consumer complaint received 2019-10-07
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. (TN)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed below telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him on XX/XX/XXXX when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 wire transactions totaling {$2500.00} using XXXX ( XXXX to XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX for {$1000.00} ; XXXX to XXXX XXXX on XX/XX/XXXX for {$500.00} ). After the final wire on XX/XX/XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected. 
After contacting USAA informing them of the situation, they did an investigation & found no fraud. I sent them screenshots of the conversation, the individuals address, & who the wire transfers went to. I received notification from them on XX/XX/XXXX & now my accounts are locked & I have no way to pay my bills.
Consumer complaint received 2022-07-05
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. (CA)

I submitted a letter dated XX/XX/XXXX to Equifax with copies of my bankruptcy schedules, Case numbers, discharge dates, credit report, creditor report, trustee report, and dates of last payment on my account with XXXX XXXX. I originally filed XXXX XXXX under in XX/XX/XXXX for XXXX XXXX and the delinquent date of last payment on the account is XX/XX/XXXX. My bankruptcy was discharged on XX/XX/XXXX. All creditors were informed, during this time XXXX XXXX never attempted to collect the debt. I filed again for XXXX XXXX bankruptcy as joint with my husband. I listed XXXX XXXX again as a creditor ; however XXXX XXXX did not file a claim as a creditor even though XXXX XXXX received notification from the bankruptcy court, so no payment was made to them. What XXXX XXXX and Equifax have done is to re-age my credit report from the last payment of XX/XX/XXXX to XX/XX/XXXX, the date I filed my bankruptcy. They can not do this. This account is not showing on any other trade lines and I want it off my Equifax credit report. I have provided all of the information necessary in my letter of XX/XX/XXXX and Equifax 's response of XX/XX/XXXX is unacceptable.
Consumer complaint received 2022-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested on XX/XX/2022 that the three credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX, I noticed my app had the wrong name when I logged in to the account. The Statement, social security number, and all other identifying information was correct but the Name identifier was incorrect. Reached out to Bank of America to have this resolved and they sent a letter with the wrong name addressed to the wrong person to have the account be signed back to me. The account was never in that persons name nor is assigned to them. Upon calling back on XX/XX/21, no one could explain how this even happened. They have no documentation of the name being switched incorrectly and how this would have occurred. They stated they would have to look further into it and have someone get back to me which no one has.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Forster & Garbus LLP (NY)

Dear Sir or Madam : I am filing a complaint against Foster & Garbus LLP. They sent me an income execution for a credit card balance in XX/XX/2022. Therefore, I reached out to them early in XXXX and started a payment plan of {$120.00} every two or sometimes every XXXX days as per the XXXX 's agreement. However, they are now notifying me that they haven't received any of my payments. I have my statements and receipts of all payments I made since XX/XX/2022. 

At this point, I highly suspect that they are holding my funds and not applying payments to my balance, and I would like to file an official complaint against the office of Foster & Garbus LLP for fraud. 

Can someone from your office look into my claim and let me know what my options are, and how can I get the Foster & Garbus office to apply all my payments of {$1200.00} to my current balance of {$2000.00}. 

Thank you for your consideration and I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingUSA (MA)

I received an " Adverse Action '' notification from a company LendingUSA affiIiated with XXXX XXXX XXXX. I have never heard of these companies but they took an application in my name and pulled credit. I never gave this company my personal information and I never gave them authorization to pull credit. 
The letter states that I was denied a loan but i never applied for a loan with this company. The people who work at this company will not give me any information, they are rude, condescending and one person ( XXXX XXXX ) hung up on me. Teh other person is the fraud department, XXXX XXXX would not provide any information to me and told me to file a report if I wanted to.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.
Consumer complaint received 2019-08-01
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. (HI)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap. XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.
Consumer complaint received 2019-10-07
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)

I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit experian kicks back a message that the validated the information.its not feeling along with research that has been done that experian hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group (OR)

On XX/XX/2019 this company did several things wrong, first they called me while I was at work and they left a voicemail. Then they called my sister and left a voicemail. I then reached out to the company and gathered some information and informed them to not contact me again. They then turned around and called my place of employment ( I work customer support, so they called the general support phone number ). The caller was told all 4 times he called in that this is a support line for customers of our business and that he is not to call into this number. They called a total of 4 times into my companies support line on XX/XX/2019. Since this company was not able to get the resolution they wanted with their illicit tactics they used, they sold the debt off to a company called Foster and Monroe LLC. 

This Foster and Monroe never reached out to me about this debt and I have initiated a dispute with XXXX. 

I have the first call recording that this company made into our support phone line along with the third call attached to this complaint. This company made a statement when I spoke with them on my personal cell phone ( after leaving a voicemail on both my number and my sister 's number ) that there was a court document or standing that there was a garnishment. This was for the XXXX XXXX area in Virginia, I called all the court systems in that area and there were no cases against me or pending or any of the such. 

The last attachment is the call that my supervisor took, again in our support phone line, and the caller was being combative and harassing again.