davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A. (WI)

I received a letter from the " law offices of Messerli and Kramer '' on what looks like official letterhead. They inform me that my account with XXXX XXXX has been placed in their collections, I have a court file number, and a file number with their firm. If I choose to pay in installments, I can via their website. They also take checks written out to XXXX XXXX XXXX, but insist I mail it to their firm. 

Additionally, they say that " IF YOU DO NOT EXPECT TO RECEIVE YOUR TAX RETURN IN TIME TO PAY THIS DEBT, we are willing to work with you. '' I made the mistake of trying to find a legal firm in XXXX, MN and putting in the information they have from the letter they sent before realizing that it's probably a scam. After contacting XXXX  XXXX directly and speaking with their fraud expert, I have found out that there is no such account attached to any name I have ever used and that if I was in collections on a XXXX  XXXX account, they would have sent me mail directly. 

The weird part is that the legal firm does exist, it does an excellent job of looking and acting like a law firm. I'm pretty good about spotting scams, but this one is over the top in making it seem legit. 

Talk to the company named in the lawsuit. Their fraud department helps for free with no legal fees. It will save you a lot of nightmares.
Consumer complaint received 2022-06-23
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-06-23
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. (GA)

The Furnisher XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX XXXX Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, XXXX and XXXX are violating my rights under the following FCRA laws ; 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX for the last 30 days because of this. ''
Consumer complaint received 2021-08-04
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: CURO Intermediate Holdings (HI)

I have called the loan that was mentioned in the letter from XXXX XXXX. Spoke to XXXX  XXXX to verify if I have a loan with them I have NO loan with them, also called Speedy Cash same I have no loan with them.
Consumer complaint received 2022-06-23
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. (MA)

As of late XX/XX/XXXX XXXX XXXX XXXX XXXX  is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.
Consumer complaint received 2022-06-23
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. (GA)

I was a victim of identity theft and upon review of my credit report I discovered multiple fraudulent accounts, I reached out to the creditors with no response and now I am seeking you assistance in getting this matter resolved.
Consumer complaint received 2020-07-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-06-23
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-06-04
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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. These laws are listed below. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I purchased a car on XX/XX/2021 in the amount financed for XXXX I also incurred finance charge of XXXX my under standing this is a violation of the Truth In Lending.

Failure to disclose all information about the finance charge. According to 15 USC 1605 the finance charge should be the sum of ALL charges with any consumer transaction. It should not include fees or certain amounts imposed by third party ( dealership ). Interest should already be included in the finance charge.

16CFR 443.1 XXXX XXXX is due to the consumer when they incur a finance charge It is against the law to commit fraud.

According to the TRUST LAW they have already received their funds from me when they obtained my funds by using my credit card ( SSN ). The legal definition of a credit card means any card, plate, coupon book, or other credit device existing for the purpose to obtain money, property, labor, or services on credit
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MD)

Received a call from XXXX XXXXXXXX XXXX on XX/XX/2022 about a XXXX  telephone bill previously serviced by convergent. Prior to this contact I have not received any written notice nor a right to dispute. I explained that I would like to settle the debt as we had been with convergent contingent to them providing us with a pay for delete letter once the amount has been paid in full. XXXX XXXX XXXX explained that this was not possible for since they did not report the account on my credit report, they can not remove it. The situation this poses is that how can a company, convergent, still report my account as delinquent if they no longer own the debt? If such is the case this now erroneous reporting should be removed to allow me to settle the debt with the existing servicer. I need the bad debt from convergent removed from my credit report as we also did not give them written notice to furnish any data on my report, we also want to settle the debt amicably with the new servicer to prevent any negative data being shown on my credit report.
Consumer complaint received 2022-07-29
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. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-23
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)

XXXX, Experian + XXXX Dispute Was File Immediately After Seeing XXXX XXXX XXXX XXXX XXXX XXXX 30 Day Mark For XX/XX/2022. After Filing Dispute All Credit Bureau Updating Improper 30 Day Marking For XXXX, XXXX & XXXX. The 28 Day Months/Short Months It Seem Were Updated To Reflect 30 Day Marking,
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2022-05-13
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX, XXXX, 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 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I called american express to cancel one of my cards. To my knowledge all I had opened under american express was a XXXX XXXX XXXX card and XXXX XXXX  card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a hilton honors card under XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX card. I told american express that that is my Dad opening up accounts in my name. The representative states that both the Hilton honors and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the hilton honors account. I told american express to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a XXXX XXXX  XXXX card opened in XX/XX/2022 which I did not open. I called XXXX XXXX  XXXX and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for XXXX  XXXX XXXX was {$3800.00}.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I was scammed into transferring money via a XXXX transfer. I never even heard of XXXX or asked the bank to place XXXX on my account. On Monday, XX/XX/2022, I received a text from a scammer who pretended to be from Wells Fargo ( please see below ) asking if I was intending to transfer {$3400.00} via XXXX and asked me to respond YES or NO. I responded NO and the scammer then phoned me and said he worked for Wells Fargo and I needed to log into my account to reverse the charges back into my savings account. I did as he said and had no idea, I was transferring money to him, not reversing the charges back to myself. As soon as I hung up, Wells Fargo called me and asked the same question. Was I transferring {$3400.00} out of my savings account? I said, no, however, I just spoke to someone from Wells Fargo and they fixed the issue. The woman from Wells Fargo then informed me that I was scammed. At that point, she was able to stop the {$1400.00} transaction, but was unable to stop the {$100.00} transaction. I filed a false transfer claim with Wells Fargo and was denied ( claim # XXXX ) as I was told that I have no protection with XXXX transfers. Banks should not be able to place anything on an individual 's account, such as XXXX, unless they get permission to do so especially if they do not protect the consumer from scams. I was never told anything about XXXX, therefore, was easily scammed because I was never educated about this transfer process by Wells Fargo. I work extremely hard for my money and can not afford to lose {$1000.00}! I hope you can help, however, if you are not, please let me know if this is something I can take to small claims court.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

TODAYS DATEXXXX ATTENTION DISPUTE DEPARTMENT RADIUS GLOBAL SOLUTIONS XXXX XXXX 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 RADIUS GLOBAL SOLUTIONS 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, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/1978 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX