davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

try to prescribe to XXXX and then felt not right. I found a customer service number to call on XXXX to get my refund. then talked to someone with an XXXX accent and said that he needed me to download an app called viewer or the view so he said that I could directly see the refund in my account and had me log on to the account. He then had me enter the amount to be refunded. In that he said there was an error and showed that I had an extra XXXX dollars. so he said he was going to loose his job if the money was not refunded. He asked me to buy target cards to refund the other XXXX dollars. I was thinking that I was paying back this extra XXXX dollars but i was paying my own money and did not realize it until the next day. The number I called was XXXX and then someone called me from XXXX to even try to get more money.I contacted my bank and also made a police report. the report number is XXXX
Consumer complaint received 2022-09-28
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. (IL)

I have asked for PROOF of " validation of a XXXX  XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " Transunion and LCI and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

Well XXXX XXXX  my whole tax refund of XXXX was deposited from XXXX XXXXXXXX XXXX XXXX XXXX into A fraudulent PNC bank account. I never had a account at this bank so XXXX XXXX I called the irs and they gave me the account information and was informed to reach out to PNC bank because they have my funds. I then went into a pnc branch with all my personal information and opened a fraud case then made a police report about the event. I am requesting my deposit be sent back to XXXX XXXX XXXXXXXX XXXX XXXX XXXX so they can mail my return via cashiers check but pnc is not giving me any information due to me not having a bank account with them but they have my tax refund which is in my name. Please help
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.
Consumer complaint received 2023-05-30
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. (FL)

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX I have disputed these inquires before and they have not removed them even after not being able to validate them.
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XXXX
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/MYPLACERWDS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-03-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fair Financial Corp. (CA)

I have now received a report from my XXXX identity theft protection that XXXX XXXX XXXX XXXX has submitted a Major Negative Deragaroty account on my credit score! They have never sent me proof that I had missed any payments. This debt is XXXX years old and was closed out long ago. This is bad behavior and they will be sued asap if this is not removed because I have my BANK STATEMENTS to back it up. However, I will not submit those bank staements to this very disreputable company that is trying to collect XXXX  DEBT from many former XXXX XXXX drivers. They need to provide proof of this debt which they have never done -- -- Because there is no debt. This needs to be removed ASAP. Please correct this matter now before things get worse.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation (MD)

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

I have never done business with Southwest Credit Systems. They have sent me bills in the mail requesting payment and threatening me if I do not pay them. They have violated multiple FDCPA laws. 

I am demanding they stop harassing me. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692d. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692c. ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 3 ) CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged dept, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out balance on the account. 
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 
Deletion from all consumer reports.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND XXXX STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND XXXX STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX -associated with XXXX XXXX XXXX for an amount of {$300.00}. This account was once under another creditor and due to lack of information of said account not being mine it was then removed off my credit reports. Now it has re appeared under a new credit agency from the same company XXXX XXXX XXXX and is only showing on XXXX of my reports. At this time this is XXXX  and my credit is being slandered due to this company and information on my credit report. This company was not able to provide any validation so I would like this removed off my credit reports immediately.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (DC)

From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX  XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX  XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. 
XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. 
We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. 
I attended XXXX from XXXX to XXXX and was paying to finance it. 
I am now attending XXXX since XXXX - Present. 
Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison.
Consumer complaint received 2024-02-14
Product: Credit reporting 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)

I did not give expressed written consent to or authorized any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy. Please be reminded, no consent is identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've requested that the company send me a letter giving permission to report this to my credit profile according to pursuant 10 15 USC 1681-C 2 and they have failed to so. I demand that these accounts be removed promptly from my credit profile within 4 business days. Thank you for your timely compliance.
Consumer complaint received 2023-08-11
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. (NY)

I filed an identity theft report at the beginning of the summer and received NO relief from this submission. I am not satisfied with this process. It is mentioned that my complaint should be resolved in 4 days. I want these items completely erased from my profile. There was no authorization on my behalf to use or distribute this information, let alone these entries are inaccurate.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged BMW FINANCIAL SERVICES showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

BMW FINANCIAL SERVICES XXXX
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NV)

The complaint is in regards to accepting credit cards ( processors ). Amex put myself and relatives on a MATCH/TMF  list even though my family members were never part of the business. I don't owe the company any money and I can't do business as a result of being blacklisted by American Express Merchant Service.
Consumer complaint received 2023-03-08
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-03
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. (AR)

.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2100.00}
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.
Consumer complaint received 2023-05-30
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. (LA)

I submitted a complaint last XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX was closed immediately without submitting it to the companies involved. I submitted a complaint again last XX/XX/XXXX and got a response from XXXX. The others 2 Credit Bureau 's response is still pending. I am hoping that by submitting this new complaint, all the fraudulent accounts from my credit report will REMOVED and DELETED because I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

I have sent letters and called the credit bureaus as well as the merchant to sold this issue. 
I dont have any late Payments and if so can they please send me something. I never received any bills online or mail.