davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE : XX/XX/XXXX CREDIT CONTROL SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-03
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. (TX)

Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago
Consumer complaint received 2021-04-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received on XX/XX/XXXX a call from XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at XXXX stating this message was strickly just for me. ( no name given ) There was a complaint filed with 3 allegations and I was urged to call back at XXXX. If I did not I would have an arrest warrant and have the police take strong legal actions. I did not return the call. 
On XX/XX/XXXX received an email from XXXX XXXXXXXX stating this was a final notice I had to send payment in 24 hours or a case would be downloaded against my name & social on XX/XX/XXXX. Legal charges are under section 9 and chapter 19. ( of what?? not stated ) Once the case was downloaded I would receive a court summons on my doorstep. ( has not happened as of today ). Stated : i might be immediately sacked by my employer ( self employed ) as they will be notified. My credit ruined. Wages garnished.. Bank accounts/Credit cards frozen. 
The IRS put a hold on my tax return. ( Someone has used my ss # for XXXX tax filing & I mailed ID theft with XXXX tax return : 180days from XX/XX/XXXX to get answers ) They wanting to know my clear intentions to above mentioned loan account ( no info ) I could contact them at XXXX.replied have wrong person do not contact me. Today I received email from XXXX XXXX attorney XXXX XXXX XXXX XXXX tx billing dept Case # & amount stating I had 4 serious allegations against me at the United Legal Investigation Bureau ( who?? ) Their policy is accts over 180 days to try take care of this bill, giving payment options send payment to XXXX XXXX XXXX or contact at XXXX. My name not used just " you ''. sent back reply : Need to see loan papers/.signature ( dont e-sign ) I did not have payday loan. I only get loans from where I bank. That I would be filing complaint. As attorney would know I would need to be notified before this and have not but a phone call & 1st email. No attempt to provide proof they had the correct person who took a payday loan. Never received any late notices from Ace Cash 6 months ago or longer. 
I HAVE NOT TAKEN A PAYDAY LOAN!!!!
Consumer complaint received 2022-09-12
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 has violated my rights. 15 USC 1681 section 602 a state I have the right to privacy. 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (MI)

I just opened a high yield savings account about a month ago. I am trying to transfer some money from this account into my XXXX XXXX account but Citi is refusing to transfer MY MONEY. Every time I try to transfer, I get an " Access Blocked, For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention Error Code MFA ''. I then call customer service and they are no help. I want to transfer my money using the " instant transfer '' method and I refuse to use the " wire transfer '' method as that costs {$25.00}. This is extrememly frustrating and I have noticed a lot of other people have been having the same problems. This needs to be fixed now Citi. Now..
Consumer complaint received 2021-04-28
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. (TX)

i sent a dispute letter to experian on XX/XX/2021 about some unauthorized inquiries that is showing up on my credit report and they has not sent verification or deleted them from. they are affecting me from obtaining credit and i am stressing out and being XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive called into all XXXX major credit Bureaus ( Transunion, XXXX, and XXXX ) for the last few years ( on and off, every XXXX months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXXXXXX XXXX ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXXT XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses XXXX actions. So, please ... help!
Consumer complaint received 2023-03-09
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. (NY)

Hi I am submitting this XXXX XXXX  without any influence and this is not a third party. 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. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I hav

e the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.
Consumer complaint received 2021-05-05
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. (WI)

I have tried disputing these accounts with Experian, nothing ever gets resolved, they always say, accounts were verified. These accounts do not belong to me. 


XXXX XXXX XXXX -ACCT # XXXX {$2200.00} XXXX XXXX Acct # XXXX {$450.00}
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. There was no evidence of indebtedness only evidence of debt was agreement because of uniformed decision the debt becomes null and void. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXX my record needs to be clean.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2021 at roughly XXXX EST I call Chase Bank Credit Card ( XXXX ) to obtain a pay-off letter in writing for a specific date in early XX/XX/2021. I was seeking the pay-off letter to allow me to pay down my balance at the closing of a mortgage. Chase Bank would only provide a pay-off letter for the same day balance. To clarify, if I called on XXXX XXXX they would only provide a pay-off letter for XXXX XXXX Additionally, the written pay-off letter would ONLY be delivered by fax. I escalated to a manager and they provided the same answer. They did offer to provide a verbal pay-off estimate for the requested date ; however, verbal estimates are not usable by mortgage companies. This entire process seems unnecessarily restrictive and ultimately obstructionist.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XX/XX/2021 I SNET A LETTER ASKING XXXX, TRANSUNION AND XXXX TO INVISTIGATE MY CREDIT REPORTS BECAUSE THERE WAS INACCURATE INFORMATION ON MY REPORTS. TO THIS DATE THEY HAVE RESPONDED TO ME ABOUT ANYTHING. I PUT 10 ACCOUNTS FOR DISPUTE ON THE LETTER AND I HAVE YET TO GET ANY RESULTS. 

1.XXXX  XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  XXXX XXXX ACCNT # : XXXX 3. XXXX XXXX  XXXX XXXX  XXXX XXXX ACCNT # : XXXX 4. XXXX ACCNT # XXXX 5. XXXX XXXX  ACCNT # XXXX 6. XXXX ACCNT # : XXXX 7. XXXX ACNT # XXXX
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.
Consumer complaint received 2024-08-23
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. (FL)

Following 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.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX, XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXXXXXX  - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XXXX. 
- Creditor Name XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
.
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

On XX/XX/2021 I called Hunter Warfield because there was something on my credit report. I asked for a letter to verify the debt because I have never received anything. They responded by harassing me and telling me that if I didnt pay them immediately they would sue me. I told them okay I understand that but I need to receive a letter. RUDE. The man badgered me about everything but sending me the letter. I mailed them a letter as well telling them I wanted written communication and no more calls, that I was requested a debt validation. 3 weeks later and no response. They are still trying to contact me by phone.
Consumer complaint received 2021-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services (CA)

I went to Mercedes Benz in XXXX to get a business car loan. I was told that I would not be a cosigner, that they'd run my credit just to verify my score ( a soft pull ) They ran my credit twice in the span of 5 minutes. I was told they ran it once to verify my credit which ended up being a hard pull, not a soft pull like they explained. And, they ran it again for an approval. When I got the second pull I complained to the financial department and they again stated the first pull was a soft pull. To top it off, I was approved for the car with {$0.00} down but when I looked at the paperwork I saw that they had me down as a cosigner and that it would report to my personal credit not my business credit. When I brought it up they said the deal was already signed and that's just how they do business. And, that's how all car companies worked for business loans, which is another lie. 

When I walked out to start the car, it wouldn't work because the key battery was dead, they then changed the battery 3 times and the car wouldn't recognize the key. Imagine being lied to for 7 hours to have a car that will not start. I let them know I didn't want the car and I wanted the inquiries removed from my report since they lied about everything and the car wouldn't even start. They agreed, but almost a month later and it hasn't been removed.
Consumer complaint received 2022-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Roosen, Varchetti & Olivier, PLLC (GA)

A debt collector by the name of XXXX XXXX XXXX also known as Roosen Varchetti and Oliver sued me and obtained a default judgement against myself and proceeded to garnishing my wages on debt that was never verified. I received notice of the garnishment XX/XX/XXXX without receiving a summons for the garnishment more than 3 days after date of service. XXXX XXXX purchased my account from the original creditor and the creditor never sent notice of this information nor did either the creditor or debt buyer send me in writing proof of a deficiency balance, and they never verified the debt with myself and I have reached out to the debt buyer to advise of this information and filed a motion on the underlying judgment to stop the garnishment in which I was required to mail to the debt collector as well. Debt laws require verification of the debt to be sent to the debtor before pursuing the debt or collecting on said debt. XXXX XXXX failed to prove they own the debt or why I owe them more than {$8900.00} + {$1000.00} in interest fees and it makes no logical sense nor have they provided documentation proving the debt. I also filed a bankruptcy in which I received a discharge yet they were able to bypass this and garnish my wages. I called XXXX XXXX XX/XX/XXXX to let them know they are wrongfully collecting on debt that was DISCHARGED and debt that was never verified.
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (TX)

This is a debt from a dentist office that was paid on time at the office. I have sent the receipt of payment to the collection agency and they keep reporting me to my credit report on a debt that was never delinquent.