davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NC)

Back in XXXX of 2021 I received a letter from XXXX stating my personal information had been compromised and they would provide me free 2 yr identity protection. During the process of signing up for the protection I discovered that 2 accounts had been opened using my personal information. When I reached out to one of the issuers being Wells Fargo they informed me that a full investigation would be completed, and a " detail '' report would be provided to me at the end of their investigation. I never received any documents regarding the case and how the credit card was opened and when I went into the bank branch was to there was nothing fraudulently found and was informed that my credit card was closed, and they issued the perpetrator of my stolen identity a new card in their name. I was clear with Wells Fargo that I needed the report in order to prosecute the criminals who stole my personal information. 
The other credit card company will be filed in a separate complaint.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2019-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

CC : Consumer Financial Protection
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

I have been trying to remove some fraudulent items off my credit, but all the credit bureaus are duing is calling the origianl credit to confirm the fraud with absolutely no resolutions. 

Discover and XXXX is reporting on my credit a credit card each with a credit limit of {$500.00}, yet my balance is {$15000.00}. How in the world can someone allow a customer to over their credit limit by {$14000.00} and try to come after me for the debt? 

Secondly, I have a court ordered to seal a payment balance to an apartment complex. The creditor paid has merge and have since sold the debt and now the new company is refusing to remove the debt and further, the credit bureaus are not helping even with the court odered. 

Lastly, I worked for a company that filed for bankgruptcy. Although I was a XXXX XXXX  XXXX, XXXX is claiming there are not showing any bankruptcy on my info, however, XXXX and XXXX are still reporting it stating I need to have XXXX to update their profile. 

I feel these credit bureaus are simply a datewarehouse with no back bones. They are claiming everything is internal and that I can dispute, however, we as the consumer have to constantly wait 30 days on the same nonesense. 

I need CFPB to provide me an immediate response, letter of intent or rationalization for why my constituational rights for barrowing and or purchasing can be in the hands of 3 privately held company that has nothing to do with the information they are providing. 

Thanks.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, we tendered our card to what we thought was a ridesharing service and the driver scanned our card purportedly for payment. It turns out that they were crooks and a charge of {$1400.00} has been charged to our account from a merchant called " XXXX XXXX. '' I have sent a letter to Citicards asking that this unauthorized theft of our card number be reversed because it was electronically stolen. If the law only protects a physical theft of a credit card then the law is very out of date since electronic theft must be the new form of theft. It also seems to me that CitcardXXXX should have recourse to whatever merchant participated in this theft before it looks to us for payment.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (AL)

I have received two phone calls from Calvary Portfolio Services, on on XX/XX/2020 and the second on XX/XX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for Calvary and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to XXXX and specified amount. I have no mailed notification from this company.
Consumer complaint received 2022-07-22
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. (NY)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/2020 XXXX XXXX
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I have tried to fix this with Wakefield several times. I need to take them to court, because Section 808 ( 1 ) of the FDCPA says they can not collect interest on a debt that never had interest in it. They can only attempt it to collect interest fees on credit card debt/loans/ect because those have interest fees in the contract. They claim to have 3 medical bills in my name and they have been adding interest fees to each of them ILLEGALLY.
Consumer complaint received 2020-11-25
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: Capital Accounts, LLC (TX)

Hi, My name is XXXX XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I have paid this debt in full with the original owner, XXXX XXXX and they agreed it would be taken off my report. However there is a company that is still reporting this debt on my report and they refuse to remove it, even though the original debt owner agreed to remove this. 

Original owner that I didn't know I owed was XXXX XXXX, they have been paid in full once I knew I owed them any money. 

The debt reporting company is named FAIR COLLECTIONS AND OUT XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I asked them multiple times to remove this, they say it shows paid but still feel the need to keep a collections record about it for 7 years. They were not owed the debt and have no knowledge of these matters.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (TX)

I have recently received a copy of my credit report and I noticed several hard inquiries that I DID NOT authorize in which I DID NOT have knowledge of! 

I have attached them below... 

Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- I HAVE NOT signed any documents authorizing these organizations to view my credit history, therefore these inquiries violate the Fair Credit Reporting Act!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

In XX/XX/XXXX, my I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$320.00}. I contacted XXXX and made payment for {$190.00} on XX/XX/XXXX per proof of payment on from my bank statement. I asked for a discount on the bill and XXXX told me that if I paid them right away that they could offer a discount of {$120.00} so I paid them that day and assumed that the account was closed. However, this was just the beginning. In XX/XX/XXXX I client found a home I wished to purchase and my mortgage broker called stating that Radius ( collecting on XXXX {$120.00} ) had inserted a negative item on my credit report and that I would be negatively impacted. It appears that the amount that Radius is attempting to collect and is reporting on is in the amount of the difference for {$130.00}. I now can not buy a home because of this. I'd like both creditors to contact my authorized Represenative to discuss resolving this XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2020-11-25
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. (FL)

The Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureausIf this case is not resolved by removing these account/ debt that are not mine from my credit file then I will proceed file this case for ARBITRATION-as well as forward this complaint to the Federal Trade Commission XXXX If not resolved proceed and pay the fee to file this lawsuit ( case ) in court.
Consumer complaint received 2019-12-27
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. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

Vance and Huffman LLC This Account was opened fraudulently. 
I'm a Victim of the XXXX  Security Breach. I have never opened any account with the company ; " Vance and Huffman LLC '' I Did Not Open or Authorized this Account or Request Any Amount of Credit. This Account Is Fraud. 

I Did Not Authorize The Company Vance and Huffman LLC To Open This Account ...
Consumer complaint received 2019-12-29
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$5000.00}, {$5000.00}, {$1500.00}, {$1000.00}, {$4200.00}, {$0.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 6. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

7. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Utilized my free credit report with TransUnion, however they ended up billing my Credit Card for a monthly service ( {$24.00} ) I have no intention of using and did not sign up for. 

I have no account with them to sign in with and cancel the services myself.
Consumer complaint received 2019-04-12
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: Experian Information Solutions Inc. (MD)

In XXXX of XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.