davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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)

I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (SC)

I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-02-07
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. (SC)

I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

It was never explained to me how a simple interest loan repayment plan works from the dealership where I got the car. 3 years of payments and near $ XXXX later, I 'm told that a majority of the funds I have paid went to paying interest per day accrued rather than to the principal balance! Now they say I owe $ XXXX on an original $ XXXX loan from 3 years ago!
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX XXXX  I demand that this be deleted.
Consumer complaint received 2020-05-15
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 — Problem with personal statement of dispute
Company: Franklin Collection Service, Inc. (AR)

On XX/XX/2020, I contacted Franklin Collection Services to come up with a mutually beneficial solution to my debt in the amount of {$720.00}. After explaining that I am in possession of a letter stating that another debtee had their debt deleted from the credit bureaus, I was told that that letter was not from FCS, because they did not delete anything from credit reports. I called again the following Wednesday to try to come up with an agreement again. After speaking with them, they told me that they were only collecting a debt FOR XXXX XXXX XXXX, that they had not purchased the debt, and that XXXX XXXX XXXX would not approve a deletion. I then called XXXX XXXX XXXX, who informed me that the debt was no longer in their system, indicating that it HAD been sold to FCS. XXXX XXXX XXXX explained that they were not in any way preventing an account deletion from a credit report. I called FCS back, and was told they could delete my account from the credit report. I said I would pay 50 % of the debt, ONLY if they agreed to delete the account from my credit report. Two days later, I emailed them with the letter of deletion from a different account as a reference, and FCS responded with stating that it was not an XXXX XXXX XXXX deletion letter and they only did deletions for medical debt, therefore they would not delete my account from the credit report. I have since received two letters from them stating that I have failed to pay a payment agreement for the full amount of the debt. I NEVER agreed to pay the full amount, and, in fact, never authorized a payment or agreed to make a payment without the assurance that my account would be deleted from my credit report. I am being blatantly discriminated against and treated differently than other debtees. They have given me a runaround, after spending an inordinate amount of time trying to come up with a mutually beneficial solution, only to be fed conflicting resolutions, and then be told that I made an agreement to pay the full amount.
Consumer complaint received 2022-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (IL)

I am reopening complaint number : XXXX To shed more light on this Scam and EAST-WEST involvement. Please see Attached invoices and wire receipts for XXXX XXXX Beneficiary : XXXX XXXX ( XXXX ) XXXX which is a client of EAST-WEST Bank . Sent to this Account Beneficiary twice on XX/XX/2022, and XX/XX/2022 The invoices were Addressed to my XXXX XXXX XXXX XXXX. The first wire was from XXXX XXXX XXXX from his company XXXX XXXX XXXX XXXX in the amount of $ XXXXSee Attached Legitimate wire transfer receipt The second invoice was sent from XXXX XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX amount of {$28000.00}. See attached legitimate wire transfer receipt
Consumer complaint received 2022-06-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft and I have noticed a few accounts & inquiries on my credit report that I have not authorized. Please remove these account and inquiries asap. 

Accounts : Portfolio Recovery - XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2021
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This concerns a Capital One Quicksilver account. 
I have limited vision. Because of small print, low contrast between silver background and white letters, and the high reflectivity of card, I can not read it even in good light. In particular, I can not read the customer service phone number or expiration date even with a magnifying glass. This means I can not use the card over the telephone.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (GA)

In XXXX, XXXX I opened a credit card account with TD Bank to purchase a XXXX XXXX XXXXXXXX, and make equal installmental payments for XXXX months. 

I, however, paid off the credit card account in XXXX, XXXX. 

On XX/XX/XXXX, I received an email/invoice from XXXX XXXX that I was being charged {$390.00} for my order. I immediately called and emailed XXXX XXXX to clarify that the account was closed and I did not place any order. The company representatives kept transferring my calls and keeping me on hold for over one hour before a lady eventually promised to cancel the charge. 

On XX/XX/XXXX, I got a statement from TD Bank , N.A . Retail Card on the same charge. The following day, I called TD Bank to file dispute number XXXX. I was informed by customer service that a review would be done within 90 days. 

When I called TD Bank at the beginning of XXXX, XXXX, I was informed that the error has been corrected ; the charge reversed, and my closed account will not be charged ever again. I was also told to expect a correspondence to that effect. 

I need assistance because instead of the promised letter correcting the fraudulent charge and permanently closing the account, I received a statement from TD Retail credit card that payment was due XX/XX/XXXX. Kindly help correct this error please.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (NE)

I began receiving phone calls on my cell phone XXXX XXXX XXXX, which then was followed by repeated calls to my business phone number ( approximately 6-8 in the past two weeks ). 

The message I received is a pre-recorded message, which is always the same : " Hello we have an important message from XXXX XXXX XXXX XXXXXXXX XXXX this is call from a debt collector. Please call XXXX. Again that phone number is XXXX. Thank you. '' I have no outstanding debts and no reason for them to be calling. I have not taken the call directly nor have I spoken to them. I would just like the calls to stop.
Consumer complaint received 2020-05-15
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. (PA)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 
UNDER THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ( HIPPA ). I RESERVE THE RIGHT TO PROTECT THE PRIVACY OF MY PERSONAL INFORMATION AND MEDICAL RECORDS FROM ALL THIRD PARTY REPORTING AGENCIES. THE ADDRESS ON MY DRIVER 'S LICENSE IS NOT EVEN VALID. SINCE YOU KNOW ALL MY INFORMATION YOU WOULD'VE KNOWN THAT! CONTINUING TO REPORT THIS MEDICAL DEBT WITHOUT PROPERLY VALIDATING AND PROVIDING ME PROOF OF PERMISSION IS A VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). 

PLEASE SEE ATTACHMENTS AND SEND PROOF TO THE ADDRESS ON THE DOCUMENT.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian report # XXXX Experian has inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX there are errors XXXX  on the report
Consumer complaint received 2022-09-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please make sure that all aspects of this account are reported 100 percent accurately. We also see that the payment history on this account is incomplete with fields including the Scheduled Payment Amount and Actual Amount Paid missing in many instan
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2022-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Consumer complaint received 2019-04-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX   XXXX XXXX  XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have attempted several times to resolve this collection account with Portfolio. I have informed them that this account was opened by fraud. The have refused to provide any valid proof that this account belongs to me. They have failed to provide proof of my original signature to open this account. I have also disputed this account directly with the cresit card company.