davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UHG, LLC (FL)

The law office of XXXX XXXX XXXX, sent a letter that stated he could defend me, from having my car and other property taken by XXXX United Holding group ). XXXX. The letter had a XXXX code to scan.He said United Holding group, filed a lawsuit in the county courthouse, on XX/XX/2022. I am elderly and my daughter looked at the courthouse records and did not see a suit against me. She also looked on my credit reports and there is no record. I think this lawyer is a shakedown artist. And I want to report him. I think it is illegal debt collection.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX reporting {$240.00} on my credit card, but that amount was paid. XXXX XXXX XXXXXXXX is NOT reporting the credit card balance correctly
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CU Recovery, Inc. (MO)

Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. 
Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? ''
Consumer complaint received 2015-09-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Dear Sir or Madam : I am writting to you because on XXXX XXXX, 2015, I did received a letter from Portafolio Recovery Associates LLC., Sender is : XXXX XXXX XXXX XXXX XXXX , XXXX, XXXXIn this letter he or they is/are claiming that I have a debt and they do not disclose the name of the person or company making the claim. 
I certainly can submit proof that I never have incur in any debt, nor done or signed for any kind of loans or credit cards or buy something or used a service to pay later, since all my life I have used cash to pay for any product or service I wanted. 
I am a retired senior and I do not acknowledge any kind of debt. 
Please, I will greatly appreciate it if you please get in contact with me via letter or phone and let me know of how to respond to this kind of scam, because this is a fraudulent debt collector. This person or company is requesting that I contact them, but I have not done so, since I am afraid what tactics he or they may use in order to implicate me in their nasty claims. 
For your attention and prompt replay to this matter, many thanks in advance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2022-12-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.
Consumer complaint received 2023-01-01
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. (IN)

I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX XXXX  XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2016 all of my inquiries were removed and were put back on my report XX/XX/2016 TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. Transunion has violated my rights under the FCRA Section 611 laws! I spoke to many reps who confirmed there was a glitch but they would not update my credit report or transfer me to special handling and were instead very belligerent. 
I have proof of the removal and reinsertion from XXXX XXXX and credit card reports. 
I can see very clearly that they were deleted and reinserted which dropped my score dramatically.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-01
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. (IN)

I have tried several time to get my personal information updated so that it's accurate with no success. All I get is letters saying that they had a " suspicious request, '' even though I included my drivers license and proof of address ( same ones I've included on this complaint ). Please have them add, remove, or replace all information to match what's listed below : My current and only address is : XXXX XXXX XXXX XXXX XXXX, IN, XXXX ( Any other addresses are not deliverable to me by the U.S. post office. ) My ONLY and ACCURATE name is : XXXX XXXX XXXX ( Any other spelling of my name or alias MUST be deleted ) My only and correct date of birth is : XX/XX/1980 Please update/add my only employer to : XXXX XXXX XXXX XXXX My only phone number is : ( XXXX ) XXXX Please remove all the other addresses, names, aliases, birthdates, and employers ; except the ones listed above. Outdated information is not reportable as per the FCRA, since it is inaccurate. 

In addition, there has been a consumer statement added to my credit reports without my consent indicating a fraud alert. I would like that removed immediately.
Consumer complaint received 2022-12-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has been repeatedly calling me at least 6-8 times per day. I block the number every single time, but they just change it every single time. They disguise the number as a local number so that its more likely that I will answer. They have called me multiple times, even today, before XXXX, and they call me repeatedly after XXXX. I work nights, and when my phone rings over and over in the morning when I am trying to recover, it significantly disrupts my sleep and has caused a bunch of health issues. They have also threatened to call my employer which is a huge issue and could cost me my job. I can provide phone records if necessary.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-01
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)

XXXX XXXX Finance manager XXXX XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX XXXX never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX  ( never authorized ) and XXXX XXXX ( never authorized ). Mr XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's XXXX XXXX with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from Mr. XXXX XXXX to earn a referral fee from XXXX XXXX . Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only XXXX instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
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. (AL)

I sent my 3rd letter to XX/XX/2022 as well as filed an official complaint with the Consumer Financial Protection Bureau. I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 
Accounts XXXX XXXX XXXX ACCT # XXXX BAL {$1000.00} XXXX  XXXX ACCT # XXXX BAL $ {$0.00} XXXX  ACCT XXXX XXXX BAL {$0.00} XXXX XXXX ACCT XXXX LATE 30 DAYS XXXX XXXX  ACCT # XXXX BAL {$0.00} XXXX  XXXX XXXX ACCT # XXXX BAL {$0.00} XXXX XXXX XXXX ACCT # XXXX BAL {$390.00} XXXX ACCT # XXXX BAL {$830.00} XXXX ACCT # XXXX BAL {$0.00}
Consumer complaint received 2022-12-31
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: TrueAccord Corp. (AZ)

XXXX has CONTINUOUSLY disregarded all of my disputes of an account NOT being mine. When I reported to the company that my Identity was stolen they disregarded that and continued to report that I owed this balance that is due. I PAID THE BALANCE ON XX/XX/2022 IN THE AMOUNT OF {$280.00}! I PAID IT TO TRUE ACCORD WHICH IS THE COMPANY THAT THIS DEBT WAS SOLD TO! XXXX and TRUE ACCORD has failed to report to XXXX that the balance is now {$0.00} and this account is no longer in collections! I have reached out to ALL 3 COMPANIES numerous times as well as submitting NUMEROUS disputes! Well XXXX  just responded to XXXX that the information CURRENTLY reported is correct they VERIFIED that this information is correct which is a complete LIE! Please see the 2 attached screenshots!!!!
Consumer complaint received 2022-12-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: V.I.P. MORTGAGE, INC. (AZ)

My wife and I on XX/XX/XXXX started looking into purchasing a new build with V.I.P mortgage company along with XXXX XXXX for property XXXX XXXX XXXX in Arizona XXXX loan # XXXX we put XXXX down as an XXXX payment but now that the builders and the mortgage company have blamed us and closed on our deal without our consent and not refunding our XXXX deposit over the course of these past 7 months this process was a nightmare major financial disaster that has caused devastating distress upon our families financial emotional & psychological quality of living so we are seeking remedy of our proper compensation for a full refund for these negative damages inconvenience and experience as a first time home buyers!!
Consumer complaint received 2022-12-31
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. (AL)

I sent my 3rd letter to XX/XX/2022 as well as filed an official complaint with the Consumer Financial Protection Bureau. I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Dear Concerned, I initiated an International Wire Transfer on XXXX in the amount of {$10000.00} with Citizens Bank in XXXX, NY located at XXXX XXXX XXXX, XXXX XXXX NY XXXX to transfer to my biological brother in XXXX XXXX As provided information from the banker named XXXX, money was supposed to be available to the beneficiary recipient within 2 to 3 business days. It has been more than 3 weeks and there is trace of that money with any bank. I have tried numerous times to contact Citizens Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but been disappointed as I could not get any information about that wire transfer. During this period of time I did not get a single satisfactory response from both of the banks involved despite multiple attempts. I paid {$80.00} tranfer fee in addition to the actual transferred amount of {$10000.00}. 

Thanks
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXXXXXX XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!