davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (MI)

On date XX/XX/2022, I sent Experian, XXXX and XXXX a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX  to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from there database. 

I then went back to Experian, XXXX and XXXX on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted XXXX, TransUnion, and XXXX in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (FL)

I got approved for {$350.00} with Aspire MasterCard however there was a fee to pay in order to get the full credit so, I paid this fee. 
I never got to use the card once because when I tried it was always declined so I chatted with them and I was advised that account was closed due to inactivity on XX/XX/2021 and they never sent a message or letter letting me know this. This company ripped me off and they just said the account was closed and thats it. 
I cant believe that here is the US they let this awful people get away with something like this. 
Thank you!!
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Multiple repeated calls at random times from random spoofed Caller IDs. 
Has been at least 2 months since I tracked these, none answered.

Caller ID says " Portfolio Recovery '' on most calls but area codes are always different. 
None have left messages to voicemail, and I have no debt issues.
Consumer complaint received 2020-11-27
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. (GA)

I have PROOF that Experian did NOT investigate ALL items I listed in my dispute letter. They are in violation of the FCRA. All items should be immediately deleted as per the FCRA if the items can not be verified, which Experian has FAILED to vailidate.

I sent them an intent to sue letter if the items are not deleted immediately, however Experian has now open another dispute which I did NOT request. Instead, they should have deleted the items permanently from my credit file.

Furthermore, Experian has FAILED to provide the COMPLETE method of verification I requested, pursuant to Section FCRA 611 ( a ) ( 7 ), in response to the report # XXXX. They have only sent me a GENERIC response that is NOT suffice.

Additionally, they have NOT provided me the original source of documents per FCRA Section 609 as I have requested.

I demand all accounts listed in my intent to sue letter be deleted immediately or I will pursue litigation
Consumer complaint received 2022-06-21
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)

XXXX opened up a revolving line of credit, bank card, that is not my account. 
The local bank identified it as fraud, unauthorized user. 
A report came from the FTC describing a breach. 
Hired a credit repair firm, the account has not been removed from credit. 
The breach is not the same as receiving spam alerts and or humantraficking inquiries. 
Reported to the local police department and to the three credit agencies. 
I'd requested permission by an attorney, XXXX XXXX XXXX and I was told, " your not a criminal. '' There should be absolutely XXXX medical collections, recorded, against federal law. 
HIPAA violations should not be investigated outside of the United States. XXXX, XXXX XXXX. 
Medical fraud has shut down health insurance accounts, so person ( s ) could not steal up to one million, annual, health insurance coverage.
Consumer complaint received 2021-09-04
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. (MD)

I have a few accounts reporting inaccurate and misleading information on my reports and would like for these accounts to be investigated. I need debt validation from XXXX XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ), and XXXX XXXX ( XXXX XXXX  ). If these companies can not provide the original contracts with my wet signature then these accounts need to be removed and blocked immediately
Consumer complaint received 2022-06-21
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. (GA)

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX, 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.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Experian Name : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 5XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOEXXXX XXXX US DEPT ED 5XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Citibank has forced opt-in for customers to use their rewards points ( thankyou points ) for purchases at XXXX, XXXX, XXXX, XXXX, and others. Citi does not ask for the customer 's consent to link our rewards points to these retailers and does not opt you out. You need to contact the retailers directly to unlink your rewards points account from the retailer as a form of payment. In the case of XXXX there is no mechanism to opt out. I am forced to continuously make sure I don't accidentally use my points towards a purchase there. Today, XX/XX/2022 I hit the incorrect button on the screen and accidentally used XXXX thank you points towards my purchase at XXXX. When I redeem the points for cash back at Citibank they are worth 1 cent each. When XXXX applies it, they charge me XXXX points extra ( XXXX points total ) towards XXXX dollars of my purchase, they unilaterally devalue the points of the program. On Citibank 's website they say there are no fees for using points at XXXX, yet I am charged 25 % premium if it is used there.
Consumer complaint received 2022-06-21
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. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, 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
Consumer complaint received 2019-03-20
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. (TX)

I filed A report with Experian with XXXX XXXX on my report. They are reporting a charged off balance of XXXX and constantly reporting every month as late payments. This account was not mine and was A account for XXXX XXXX. I did co sign for the vehicle and was informed they sold the vehicle after he had it repoed and the vehicle was sold to an auction. However they are reporting on my report the full balance owed on the vehicle prior to it being sold to an auction. I hve requested a investigation into this and Experian informed me the account came back verified. But will not provide me with the verified proof that the information provided and being reported is correct.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act XXXX  Acct # 's 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 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these accounts dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts. I have sent several letters trying to get this taken off my credit with no help.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX xxxxxx XXXX, Account # XXXX xxxxxx XXXX Account # XXXX xxxxxx XXXX, Account # XXXX xxxxxx XXXX 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
Consumer complaint received 2022-06-12
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. (DE)

My name is spelled wrong on listings .alias not XXXX XXXX or XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or removed from my report
Consumer complaint received 2021-09-04
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: ENCORE CAPITAL GROUP INC. (DE)

Midland credit was notified of the dispute on XX/XX/2021. Ive asked for them to provide proof with the original contract which states any obligation that I have to pay them. A representative verified that the account listed on the original contract was indeed not an address that Im associated with. Instead of then responding to this matter, they increased the COLLECTION account balance XXXX  {$1.00} which is ill to do it its a collection account and it doesnt belong to me.
Consumer complaint received 2022-06-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (NV)

Overall, I felt like there was little transparency throughout the process and I was not armed with information to ask the right questions or remedy issues. It turns out I had a conforming loan that got put in a jumbo pool which was the crux of the issue with underwriters as it related to the appraisal which was ultimately why they declined to honor my rate lock of XXXX and fund my loan. The condominium purchase price was {$500000.00} and The funds I wired to title was {$320000.00}. I completed all the requests for information and fulfilled all the financial obligations- wired the money directly to the title company and deposited funds into an account I was required to open and fund at Bank of the West. The other issue was the lender was not responsive to me or my real estate agent and we were given conflicting information on various topics - time was of the essence to meet the closing date. The appraisal that I paid for came back with structural issues that were captured by an unqualified person who never accessed the building where the foundation could be properly assessed. I paid for an additional appraiser to help the underwriter get comfort around the structural soundness and to work with the bank appraiser to append their report. My loan ultimately went to an executive committee to get a waiver but they decided not to proceed. I have no proof, but I sincerely believe they were looking for any excuse not to fund because of my rate lock. They knew my deadline on this property and it passed without resolution. I also believe they never intended to fund and strung me along to lead me to a higher cost option on a different property. 

Dates : Counter Offer for purchase price signed XXXX XXXXXXXX XXXX signed XXXX Original closing date XXXX Amended date : XXXX
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is spelled wrong on listings .alias not XXXX XXXX or XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or removed from my report
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I submitted a dispute with my bank Wells Fargo on XX/XX/XXXX for an amout of XXXX at XXXX under the number XXXX or XXXX ( I have both on my notes ), the claim was rejected because the card was present at the moment of the purchase, was face to face transaction. 
I called customer service to explain the situation, the shop doesnt have the stock there so they must sent the purchased goods by courier so I was requested to send the information in a letter and also the receipt showing that the goods must be sent to the address. 
I sent that information on XX/XX/XXXX by email. 
I called on XX/XX/XXXX to know the status of this claim and " XXXX '' from claims department told me that they cant reopen the case because the shop said that is a valid transaction but they couldnt proof that the merchandise was delivered, I requested those documents and they also denied that right. 
why I was requested to send the information if the bank will deny to reopen the case?
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MI)

Someones using my name with a different SSN Living in XXXX ive never been to XXXX Debit incurred with XXXX then turned over to collections company Who are now trying to collect the debt from me Its affecting my credit score