davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX someone has used my information to purchase XXXX XXXX XXXX, and when I got a bill at my mail, immediately reported to the XXXX XXXX and they told me to not worry anout that may be was a mistake, but after that I did noticed that at my credit score there is a collection amount which was not mine. 
After that I did disputed that to the XXXX XXXX and XXXX credit companies! 
In XXXX the XXXX XXXX company did send me letter where its says that the collection item was removed from my credit history but XXXX didnt do anything In XXXX and even in XXXX! there is no live agent there to talk, phone calls are ignored through the automated system.And even more when you trying to google their phone number, its takes you to some law firms who advise you to fix it by money, and when you disagree to pay ( because its not you debt ) they finally asking if you want to connect to the XXXX live agent, and if you say yes they make a connection to XXXX live agent! 
The AWA collection company is the rudest in entire my experiences! they dont answer your questions, very disrespectful and nonprofesional, several times hanging phone on you, dont provide XXXX if asked and dont provide any information about the claim or proof! I think there both work together to try steal money from innocent identity theft cixtims
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-16
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. (NJ)

When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX XXXX XXXX. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXXXXXX XXXX XXXX for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened XX/XX/XXXX
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc. (AZ)

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NE)

Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency XX/XX/2019 i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about blue collar crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

In XXXX of 2022. I visited XXXX XXXX for a fitness training consultation. I asked for more details about the training classes they offered when I visited. It was explained to me by the gym staff that I was only going to get charged a one time payment of {$29.00} for the Month of XXXX. I provided them with my Macy 's American Express card for this one time payment of {$29.00}. In the month of XX/XX/2022, I visited the gym twice, and I didn't go back since. Fast forward to XX/XX/2022, I noticed in my credit card statements that the one time payment I agreed to was a reoccurring payment of {$29.00} plus an additional {$360.00} that I never authorized. In total I was being charged monthly {$380.00} from XXXX to XXXX. Thats a total of {$2700.00} that I did not authorize. Once I realized these statements, I immediately went to the gym to figure out why I was getting charged and close the account. I called Macy 's to file a billing dispute and explained the situation about me not authorizing those payments. They mailed me their decision which stated the investigation was closed due to them not finding evidence. I appealed it twice, and I got the same response from Macy 's again. They only investigated the case for four days. I did not authorize those monthly payments of {$380.00} and I need Macys American Express to investigate this deeper for me and prove that I did not agree to those charges.
Consumer complaint received 2022-11-08
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. (NJ)

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 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 To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Sincerely yours, _________________________________________ XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. TransUnion is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and XXXX is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between TransUnion and XXXX / XXXX. High Credit Amount is different between XXXX and TransUnion / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX  XXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for TransUnion, XXXX is showing XX/XX/2022, and XXXX is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.
Consumer complaint received 2022-09-08
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 XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 an account without my written instructions.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NJ)

After receiving and reviewing information received from the merchant related to this transaction, we determined that compelling evidence was provided and emailed to notify you that we determined no error occurred. 

How did no error occur when I had dozens of photos and a video as well as the merchants refusal to refund me to back up my claim??? 

We recommend that you contact the merchant directly for further resolution. 

Are they playing XXXX?? I showed them XXXX emails from the merchant who clearly did not resolve the issue, whatsoever!! l If you wish to receive a copy of the documents we relied on in making our final determination, please email XXXX. 

XXXX. I asked them via that same email address to provide me documentation to prove that no error occurred, and they wouldnt provide it to me!
Consumer complaint received 2022-11-08
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.
Consumer complaint received 2022-11-08
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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-11-08
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. (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 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2023-02-08
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (KY)

In XX/XX/2023, after 16 years of employment, I was fired by PNC Bank. Due to this, my payments on my PNC Credit Card got behind. In XX/XX/2023, I contacted PNC regarding a Hardship Agreement on my PNC Credit Card. I was approved on the call for the Hardship Agreement. This meant that for 12 months, my APR was lowered, late fees were waived, and my payment was lowered to {$390.00} per month. I was told I needed to make the initial 3 payments for XXXX, XXXX, and XXXX before the end of each month. Soon after, I made the payment for XXXX. I continued to receive calls and emails from PNC Credit Card Collections dept. Most of the time I ignored these calls and emails, but when I did answer, I advised them that I was in the Hardship Program. I assumed it would take a month or a billing cycle to get straightened out. Throughout the month of XXXX, I received calls from PNC Credit Card Collections Department daily, usually multiple times a day. I received emails and text messages stating they were collecting a debt. I eventually received a call from the representative who worked with me to apply for the Hardship Program. I advised her I was still receiving collection calls, despite making my XXXX payment and having until the end of XXXX to make my XXXX payment. The representative stated that the payment was actually due the XXXX of the month, but that I get a grace period which is why she said the end of the month initially. I was assured that once I made my XXXX payment, I would not receive any more collection calls. I made XXXX 's {$390.00} payment. I have continued to receive collection calls from PNC throughout the month of XXXX. This time, I advised that I believed this was against the Fair Debt Collection Practices Act. I had entered into the Hardship Agreement and made my payments on time as advised, but yet I have continuously received collection calls and emails from PNC. I filed a complaint within PNC Bank 's Escalations Department. I was eventually told that in the agreement I made for the Hardship, it states collection calls will continue. How is that fair? How is that legal? I have entered into a NEW agreement with PNC when I entered into the Hardship Agreement and I have made my payments as agreed upon, yet I still get relentless calls. I made my XXXX payment on XX/XX/2023. I received a call from PNC Credit Card Collections on XX/XX/2023. I spoke to a Team Lead - XXXX XXXX, who stated that even though I have already made my XXXX payment, I will continue to receive collection calls until the end of XXXX because I am in the Hardship Program. How is this even possible? Much less, legal? I contacted the representative from PNC Escalations and told her about the continuing calls from PNC Collections and that I was making a CFPB complaint.
Consumer complaint received 2022-11-08
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. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-11-08
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. (OK)

XXXX XXXX XXXX  as reported to the CRA an account that does not belong to me! XXXX and Experian is reporting false information. I demand this account be removed off my consumer report IMMEDIATELY!!! I have attached my consumer report!