davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX  XX/XX/2021.
Consumer complaint received 2024-01-23
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. (PA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year>
Consumer complaint received 2024-01-23
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)

XXXX, XXXX and Experian fail for provide factual documents about these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus XXXX, Experian and XXXX
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass 90 days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. 
When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX  say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. 
How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open for months?
Consumer complaint received 2024-01-23
Product: Credit reporting 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)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Consumer complaint received 2024-01-23
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. (TN)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

AMSHERCOLLECTION Services has violated my consumer rights. I was not informed of this alleged debt nor has it been validated. I am demanding this account be removed from my consumer report and proper documentation of the alleged debt ( per 15 U.S. Code 1692g ) be sent to me.
Consumer complaint received 2022-11-22
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. (NJ)

I sent a letter to Experian, XXXX, and XXXX on XXXX XXXX XXXX. It has been over 30 days, I still haven't recieved anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC (PA)

dynamic recover solutions.calling me all time of the day even on week ends.threat me a bout taking me to court.this is not my DEB.SOME ONE OPENING UP A ACT IN MY NAME WITH XXXX XXXX PHONE IM MY NAMEI INFORMED THEME THIS IS NOT MY ACT IN 2014 5 YEARS A GO BUT THEY KEEP THREATING ME.
Consumer complaint received 2023-05-25
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carvana Group, LLC (OH)

I was sold a Car by caravan my loan was through XXXX  and it went out in the first 7 days but I went over XXXX miles traviling home with car XXXX was cost to repair. I was told there was a warrant it wasnt they wouldnt let me pay on the loan.the car was repoed and sold for XXXX I was charged XXXX for car and now I owe XXXX for a car I had 3 days.
Consumer complaint received 2022-07-15
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX**** Balance : {$360.00} XXXX XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX*** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX**** Balance : {$1800.00} 8. US DEPT ED XXXX*** Balance : {$3100.00} 9. US DEPT ED XXXX**** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX**** Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX**** Balance : {$360.00} XXXX XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX**** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX**** Balance : {$1800.00} 8. US DEPT ED XXXX**** Balance : {$3100.00} 9. US DEPT ED XXXX**** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX*** Balance : {$1700.00} TRANSUNION : 1. XXXX XXXX XXXX**** Balance : {$360.00} 2. XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX**** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX*** Balance : {$1800.00} 8. US DEPT ED XXXX*** Balance : {$3100.00} 9. US DEPT ED XXXX*** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX**** Balance : {$1700.00}
Consumer complaint received 2022-07-15
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. (MT)

I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX I received a fraud alert from my monitoring service that an account application had been received using my PII at JP Morgan Chase, as well as 6 emails from that bank welcoming me to my new checking account. I do not have an account with that bank. When my fraud alert company rep and I talked with the rep from JP Morgan Chase on XX/XX/XXXX at approximately XXXX Eastern time about the fraudulent account they informed me that there was a {$0.00} balance and no transactions and they they had frozen the account. They said they would send me the proper paper work to continue with the fraud claim, in the meantime I began getting the reports from the FTC and my local police department to aid in the closure of the account. On XX/XX/XXXX I received yet another alert from my monitoring service that an account with JP Morgan Chase XXXX had been opened. I immediately called Chase and was told that since I did not have the account number or debit card they could not tell me about the account ( even though the earlier rep had told me ). But the rep did tell me that the account had never been frozen, that the previous rep was not supposed to have told me the information that he had, and that they did not even have my complete address on file. I was then told that I would have to wait for my paperwork to come in the mail ( it has been a week now ), fill it out, and send it in, before they would start work on it, OR I could drive to the nearest Chase branch to get the paperwork which is over an hour away.
Consumer complaint received 2024-01-23
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. (MD)

On XX/XX/year> XXXX, XXXX, Experian and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.
Consumer complaint received 2022-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

President Biden has canceled student loan debts worth {$3.00} XXXX. And this cancelation includes the {$500.00} XXXX of XXXX XXXX student loan forgiveness. 
I am a former student and attended the college from XXXX.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion XXXX showed up on my credit card bill several times and NONE WERE AUTHORIZED. My credit card issuer has disputed/refunded what was paid but this scam is apparently very widespread as I viewed the pages and pages of complaints online. You should check into this because if it is a legitimate business, they should be penalized significantly. If it is a scam, with as many illegal transactions as this entity has been involved in, they should be able to be tracked down and prosecuted. Then my credit card issuer notified me that another unauthorized transaction for an escort service was attempted for {$39.00}. So the XXXX must be related. 

Unauthorized transactions on my credit card : XXXX XXXX XXXX TU *TRANSUNION XXXX CA {$19.00} XXXX XXXX XXXX TRANSUNION XXXX XXXX CA {$19.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$1.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$19.00}
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (GA)

GC Services Limited Partnership got my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the right to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).
Consumer complaint received 2022-11-22
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. (OH)

EXPERIAN HAS NOT CONTACTED THE LAWYER FOR CORRECT INFORMATION. I HAVE NEVER IN MY LIFE FILED BANKRUPTCY. THE OTHER 3 CREDIT BUREUA HAS TAKEN THIS OFF MY RECORDS. EXPERIAN HAS BEEN LAZY AND NOT DONE THEIR HOMEWORK AND IM TIRED OF THIS. I FILED 3 COMPLAINTS TO HAVE THIS TAKEN OFF
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

I have tried to work this out with The Bureaus who is a debt collector. They are reporting on my consumer which is a violation under 15 USC 1692. By them reporting this to my credit it is defaming my character and my credit report. They are violating my rights and I will no longer tolerate this type of behavior. I am a consumer. I have laws to protect me as a consumer. I am not going to tolerate my rights being taken away from. I have sent an a invoice for the violations that The Bureaus violated.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

Spoke with NCB MANAGEMENT SERVICES in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2024-01-22
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. (TX)

Please see the attached XXXX  complaint and remove the following account from my credit report due to the alleged debt being past the statute of limitations. I will find it necessary to take legal action against Experian if this account is not deleted within 7 days XXXX XXXX. Experian is the only credit reporting agency reporting this inaccurate information. This debt has been uncollectible since 2021, so why is there a balance on a closed account? Furthermore, this is year XXXX, so this account is due to be removed from my credit report.
Consumer complaint received 2022-11-22
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. (CA)

I have filed a CFPB complaint regarding the following accounts : XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX I have also submitted multiple disputes regarding these account being improperly reported. XXXX XXXX fraudulently locked my account and closed it out as a charge off. XXXX closed the account with a balance on it and did not allow me to pay off the account. 

It has been well over 30 days for them to respond to my complaint. These account need to be immediately removed from my credit report.
Consumer complaint received 2022-11-22
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: WELLS FARGO & COMPANY (CA)

I have recently monitored my Credit Report is all Credit Berues ( XXXX, XXXX, and XXXX ) and have noticed High Supeciour Fraud Activity in Unsolicited Credit inquiries. I have not made or Authorized any credit application on my behalf to anyone, card, or no new accounts, made by me At this moment. I have counted at least 20 new inquires and three major Bank Card application inquiries, Well Fargo, and XXXX XXXX XXXX made from XX/XX/2022 thru XX/XX/2022. One is from XX/XX/2022, from XXXX. Also was unsolicited or Not initiated or made by me. 
The following accounts are Fraud. I never initiated or applied for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following are Inquiries I have never made or Authorized : Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY Transactions, inquiries, loan applications, credit cards, or any type of inquiries applications, made after, or initiated after My Escrow account started with XXXX on XX/XX/2022 XXXX XXXX consider as fraud and it should be investigated as such. I have not used my credit to prevent any credit discrepancies and I was taking care of my finances so that I could've able to purchase a home. Therefore, this is very concerning and I would like to report this as Identity Theft and FRAUD Transactions. I am including my current credit report and have placed a Credit Freeze on All Credit Bureaus ' reports. effective today when I became aware of this.