davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted westgate resort and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (CA)

I am writing to lodge a formal complaint against the credit bureaus for their failure to remove a fraudulent account from my credit reports, despite my repeated requests and provision of necessary documentation. This account was opened without my knowledge or consent and is a clear case of identity theft. 

Details of the Fraudulent Account : Creditor : XXXX XXXX  Account Number : XXXX Balance : {$290.00} On XX/XX/2023, I sent a letter via USPS Certified Mail to the credit bureaus, requesting a thorough investigation and the removal of this fraudulent account. Unfortunately, my request was not only ignored, but I also faced outright refusal to remove this account from my credit file. This inaction on their part is not only distressing but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act. 

Upon discovering this unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and placed a fraud alert on my credit files. Despite these proactive measures, the fraudulent account continues to be a blemish on my credit report, negatively impacting my financial standing and credit health. 

The inaction of the credit bureaus in this matter is unacceptable and unjust. Therefore, I am seeking the intervention of the CFPB to ensure that a proper investigation is conducted and the fraudulent account is promptly removed from my credit records. 

Enclosed with this letter are copies of my previous correspondence with the credit bureaus, the identity theft report filed with the FTC, and other relevant documents supporting my claim. 

I trust that the CFPB will address this grievance with the seriousness it deserves and assist me in rectifying my credit report. I look forward to a prompt and favorable resolution of this issue. 

Thank you for your attention and assistance in this matter.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

On XX/XX/22 XXXX XXXX XXXX submitted a personal loan with a XXXX XXXX when in fact i never applied for a personal loan with XXXX. Attempted to call and resolve the matter and unsuccessful and saw it reported to Experian Four times!
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC. (FL)

XX/XX/XXXX- Called the XXXX Doctors office in XXXX to request information of debt and they could not locate the amount owe. Promised to call back with information but never did. 
XX/XX/XXXX - Called XXXX again and this time the operator asked me to leave a voicemail to the financial department since she could not locate the amount I owe. I attempted to make the payment online too from the bill I had received in XX/XX/XXXX but could not process the payment. 

XX/XX/XXXX - Again called XXXX and was informed that charge must have been resolved with the insurance company XX/XX/XXXX - Charge of {$75.00} dollars delinquency appears in Credit Report ( Score was XXXX and now its XXXX )
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America claimed 2 payroll checks made out to me by my employer were counterfeit. I have absolutely no idea how or why they came to this conclusion, but somehow they did. They proceeded to close my checking account and reported me to check systems. I want to be absolutely clear about this ... The 2 checks were NOT counterfeit! I have not nor would I ever engage in any activity that would compromise my accounts or myself. This claim by Bank of America is absolutely wrong, and I will seek legal counsel if the issue is not resolved in a satisfactory manner. To make a claim that a customer is presenting counterfeit items is incendiary. Bank of America is claiming indirectly that I 'm a criminal. I have written Bank of America via regular us mail to inform them that this cliam is absolutely faukse and how they came to this conclusion is beyond me. After calling customer service with wait times of over an hour each time, I realized that Bank of America has no interest in the customers concerns and instead jumps to whatever conclusion they wish. Big Banks get away with making claims against consumers with absolutely no evidence to back their decisions. I have also acknowledged that one or more checks were deposited via mobile banking and somehow got mixed up in my other undeposited checks, but the check Clearinghouse has always caught this at the ATM or online banking app and returned the check at that time. Whenever I erroneously attempted to deposit a check that had already been deposited previously, the ATM or mobile app would inform me at that time that the item had already been presented and I would simply dystroy the check at that time. I would feel confident that if I accidentally deposited a check after it had been previously deposited that the check Clearinghouse would inform me at the time of deposit. I believe this to be a safeguard that protects the customer as well as the bank. In the event an item is returned I would be accessed a fee for returned items. Additional one deposit that the ATM erroneously displayed as a {$55000.00} deposit on a check in the amount of {$87.00} was the fault of the ATM. I at no point entered any amount the amount was automatically generated via the ATM. I attempted to cancel the transaction without sucessm. The bank caught and fixed the error and the amount was adjusted to reflect the correct amount. I 'd like to say in closing that I truly hope Bank of America fixed this error. The checks were not counterfeit and I would never present any item that I thought or knew to be counterfeit. Very extreme claims against a customer with little to no recourse.
Consumer complaint received 2023-01-29
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. (FL)

These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX. This address does not belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I only have one address is XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-10-07
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. (NY)

DELETE XXXX  XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-07
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: Resurgent Capital Services L.P. (TN)

LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines Validation of debt doesnt consist of bill statements this account doesnt belong to me This account is inaccurate, isnt mine this account needs to be removed
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Slovin & Associates Co., LPA (OH)

I recieved a letter to avoid garnishment. I answered followed the directions and remitted payments. No one wants a garnishment. I never received an itemized bill. Dates of service or anything even showing me how or why I owed this debt I made XXXX dollars in payments and they got a garnishment for XXXX when the debt was only XXXX in the first place. I should only owe about XXXX dollars. They stated when I called today that I failed to answer if I made a payment in XXXX and XXXX how did I fail. I have receipts for these payments. All they did was lie and tell me I could avoid garnishment to obtain my employer information to garnish me. They just flat out lied. I mean I know its common practice to do what you have to but for a medical bill I obviously couldnt afford in the first place is just wow. I was also not told I could dispute the debt because, i was told pay or be garnished.
Consumer complaint received 2021-08-11
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. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-08-11
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: Penn Credit Corporation (OH)

This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXPENN CREDIT CORPORATION # XXXX
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Step 1 : What is this complaint about? 

A cashiers check was purchased using my account information at Bank of America branch on XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$700.00} on XXXX without my consent by an imposter. The banks fraud department freeze the account and opened a new account and refused to return the funds, stating they have to recover the funds first and it will take 90 days to complete an investigation. I dud not authorize funds from my account to be used by any external or internal person or agency and this is fraud. 

The bank has since closed the case on the basis that I received funds through an ATM transaction which is not the case. An ATM transaction was attempted on the same day but not at the same time for the same amount of {$700.00} but the ATM did not disperse the money. I contacted the servicer of the ATM in the bank as advised by one of the branch bank representatives and they did issue a credit or reversal the same they to cover the funds so that was resolved with no needed investigation. 

I did take an over the counter withdrawal of {$700.00} that same day after the ATM did not disperse the funds. 

The bank removed the transactions for view online and now deny a cashiers check or additional over the counter transaction was completed for {$700.00}. 

I am filing a complaint against the Bank of America branch for mismanaging the funds in my account and participating in fraudulent activities. 

I request the Bank of America return my funds and an investigation conducted. A subpoena of the bank records regarding any and all accounts in my name or sub accounts attached to accounts in my name should be sufficient evidence. I have banked with them since around XXXX - XXXX.
Consumer complaint received 2022-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right. I submitted my Written notice of the rights to enforce my right to rescission of my contract per 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) ( b ). I have also reached out for several violations. As follows : Under 15 USC 1681 section 602 I have the right to privacy. Section 604 a section 2 a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Per use of my social security card, which under the eyes of XXXX law dictionary, is in fact a credit card. 

15 U.S. Code 1692a - Definitions ( 5 ) and ( 6 a-f ) 15 U.S. Code 1692d - Harassment or abuse ( 3 ) and ( 5 ) Including threats to remove the property from my residence violating my rights and the fines charged when it was removed from the property and paid before auction. 
15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) ( b ) HJR-192 which states that debts can only be discharged and not collected, as well as s 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ). 
( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
15 U.S. Code 1692e - False or misleading representations ( 2b ) and ( 5 ) and ( 6 ) and ( 10 )
Consumer complaint received 2021-08-11
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: CREDIT ACCEPTANCE CORPORATION (NY)

these accounts appear on my credit report, without any authorization, they are not mine, check them. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft CREDITACPT Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  XXXX  XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

it has been more then 35 days since I ' ve sent my letters to the 3 credit reporting agency and i still haven't received any responds. Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences. I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. I told the 3 credit reporting that I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on their website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. Please Block this information from my credit report, pursuant to section 605B of the fair credit reporting Act, and send the required notifications to all furnishers of this information. I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED this ACCOUNT and its derogatoriness as being associated with the above-mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or inquiries and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX 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 2021-07-19
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. (NC)

in XXXX, XXXX, XXXX i received a copy of my free XXXX XXXX XXXX and noticed inaccurate information in the personal information section, when i was made aware of this i called and sent letters by mail to XXXX XXXX  and Experian to have this inaccurate information removed, XXXX and XXXX removed the inaccurate information with 48 hours, But Experian refused to remove the inaccurate information even after sending documentation which were copy 's of proof of identification, driver license, social security cards, bank statements, utility bill. 

this time i decided to send a letter following the CFPB instructions with sending documents by certified mail with XXXX, which i did on XXXX/XXXX/XXXX, the certified mail was received by Experian at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 

today is XX/XX/XXXX and the inaccurate information is still reporting in my personal information section in my experian credit file. the only conclusion i could come up with is i strongly believe i'm being discriminated against because of my age and i'm a XXXX male, i believe if i was a white male, the information would have been removed after i sent a documents verifying my identity.