davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (TX)

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS 7 DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN ACCOUNTS 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 THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Consumer complaint received 2022-11-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

On XX/XX/XXXX I was called on phone by XXXX XXXX  regarding a debt ( XXXX ) I did not know existed to the apartment complex I moved from in XXXX ( XXXX XXXX XXXX  ). XXXX XXXX XXXXep stated they had sent me emails and had called previously. I never saw the emails in my inbox or spam folder. If they left a message on my phone I never heard it. As I found out later the apartment complex gave them the wrong phone number. ( see conversation I had on XXXX XXXX chat ) ============================================= We have been trying to reach you since XXXX  to the phone number given by the creditor XXXX  and we have sent emails to XXXX me XXXXXXXX XXXX that is not my phone number me XXXX XXXX my phone number is XXXX me XXXX XXXX i swear nothing was in my email inbox at that address =============================================== This whole problem originated by XXXX in XXXX being totally unorganized with the move out process. The portal access to my account was closed immediately and I was never sent my final bill, deposit due back or anything. Not by phone, email or mail. They had all my forwarding info. 

My whole point now it this debt has been paid in full as of today XX/XX/XXXX and this collection should never be sent to the credit companies ruining my perfect credit for 7 years. 

XXXX XXXX representative stated they have not sent to credit companies yet but I want to make sure they do not. See communication on chat below : ================================================ This account has not been reported to any credit bureaus by XXXX XXXX  as of today. As long as the account reaches a {$0.00} balance by XX/XX/XXXX, this will NOT be reported by XXXX XXXX. If you set up a payment plan that extends past XXXX whatever the remaining balance is, could be reported to all three credit reports. Once your account reaches {$0.00} balance, if any credit bureaus were notified of this account, we will advise them to update accordingly. It can take them an additional 30-60 days to update that information. 
================================================ So, I think I'm ok but want reassurance my credit will not be affected. 

Thanks, XXXX XXXX
Consumer complaint received 2020-05-15
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. (CA)

The below accounts do not belong to me I have been trying to resolve this issue but I get nowhere, I'm a XXXX veteran and I'm trying to buy a home and this is stopping me from doing so, all the accounts info is below. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Account # XXXX XXXX Opend XX/XX/XXXX Balance {$1500.00} OPN Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$690.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$630.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$260.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX XXXX   XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Account # XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NC)

On XX/XX/2020, I received notification from my XXXX  account that a collection agency by the name of AFNI, INC. added a collection account on my credit report in the amount of {$290.00}. I then called the number provided XXXX and spoke with XXXX. XXXX advised me that he is attempting to collect a debt from XXXX XXXX. I advised XXXX that he is the third collection agency representing XXXX   XXXX  for an account I never had with them. I explained that I have always used XXXX XXXX  XXXX and then XXXX. I also advised that I never lived at XXXX XXXX  XXXX XXXX and proceeded to list all my previous addresses. I informed XXXX that I had identity theft in the past and I need him to remove this from my credit report immediately. XXXX advised me to email XXXX. On the same day, I email the email address and attached my police report and my driver 's licensee. I have received no response from them. The account is still reporting the account. I want this to be removed and stop all collections on this account because it doesn't belong to me. This is the third time this has happened with this company. They NEVER NOTIFIED ME IN WRITING OF THIS DEBT. I ONLY SEEN WHEN IT REPORTED TO MY CREDIT REPORT. This has damaged my credit score. I dropped XXXX points because of this. Attached is my driver 's license and both of my police reports.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I try to pay off amount, they give me XXXX but now I pay too much, the lady she's lies to me, the app to title Max didn't show what day I need to pay every month, they're change every months the payment day, when I open the app didn't show anything the day, later when I open the app, my payment is past due, they still my money brazenly, They increase my final payment every month by more than XXXX dollars, when finally I already owe XXXX or XXXX, every month I owe more, please u need stop this, it is a shameless steal and nobody does anything, they never lower my account, They hide the day of the payment date, when I finally open the title max XXXX, it turns out that my payment is overdue and once again my account is high I pay again today and they don't show the payment for next month, they hide and just they show XXXX and nothing for XXXX, is too much money they steal Please stop this I think is for all customers like me
Consumer complaint received 2022-04-29
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. (AL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : MEDICAL ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


15 USC 1681 Section 602 A States I have right to privacy.

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-11-29
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: TRANSWORLD SYSTEMS INC (NC)

In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
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 ) -- REAL ESTATE LOAN  1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2022-11-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.
Consumer complaint received 2022-11-18
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. (PA)

XXXX, XXXX, Experians and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS
Consumer complaint received 2022-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.
Consumer complaint received 2021-05-01
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. (PA)

On XX/XX/2021 I disputed a XXXX XXXX XXXX  account and a XXXX XXXX XXXX credit account on my Experian credit report that is in violation of 15 U.S. Code 1681a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The loan and credit account use my social security card to extend credit which falls under the definition of credit card by truth and lending. Experian sent me and email on XX/XX/2021 saying that the account was updated when nothing was changed.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OR)

Citibank decreased both credit limits on my card after a loan was reported as late on my credit report. I took out a loan for a family member that had a medical emergency and they couldn't pay the loan. The loan went past due and Citibank decreased my credit limit from {$16000.00} to under {$1000.00} on two of my cards. I have been a loyal and on time paying customer with Citibank for over 8 years. I settled the past due account to resolve my credit blemish and called Citibank to reinstate my limits. They informed me they would put in an application. After not hearing back, I called and they said an application wasn't submitted and I wasn't eligible. I called back several times and got different information. I became frustrated and felt they lied and were not willing to help. Months later, I got a letter with a number to call so that I could get my limits reinstated. After making several attempts to contact Citibank corporate, I never reached anyone and they never returned my messages. At this point, I feel like I did everything I could to resolve this matter and Citibank has been uncompromising and unhelpful towards a loyal customer.
Consumer complaint received 2022-11-18
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: Credit Systems International, Inc. (CA)

Credit Systems Int. is reporting inaccuracies to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 ... .I have never been active on this account. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need validation of debt, and I need legal documentation with my signature stating I owe Credit Systes and the exact amount. I am going to file a complaint with the state attorneys office for violation of the FCRA and FDCPA if they don't remove it by next week. Thank you in advance.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NY)

Previous complaint filed XX/XX/XXXX and closed due to company response. Wells Fargo sent me a transaction report to verify that funds for a balance transfer were sent to XXXX XXXX back in XX/XX/XXXX. This report was sent to XXXX XXXX as they are stating they have no record of the payment from Wells Fargo. XXXX XXXX now states that the report is not the electronic funds transfer report that they need and it does not state that the transaction was received by XXXX XXXX. XXXX XXXX XXXX, their payment team can not find a payment of the amount of the balance transfer, {$5600.00}, on or around the date it was supposedly sent. XXXX XXXX states that since the report from Wells Fargo shows no proof of receipt by XXXX XXXX, it is possible that the transaction did not go through. Wells Fargo will not provide proof that the payment was received by XXXX XXXX. I am still left paying the same balance on both cards. Neither company is providing further options.
Consumer complaint received 2022-04-29
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)

I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the Bureau 's are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. Experian for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these Bureau 's are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these Bureau 's transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-11-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

In accordance with the Fair Credit Report act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681XXXXXXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account number XXXX.Violated my rights.15 u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Management Core Solutions, Inc. (ID)

On XX/XX/XXXX I received a letter from MCS inc in reference to a medical debt owed. After investigation I have discovered the debt is from a service performed in XX/XX/XXXX. I never received a bill nor was contact till over nearly 8 years after the service was performed. They could not give an account number to reference nor date of service. I had to investigate all to verify. 

I have contacted MCS and explained to them the debt is over the statute of limitations, they are still going to proceed with court actions. The letter attached is the very first contact I have had with both the service provider and debt collector since the the initial date of service. 

Since this debt is in Virginia and I live in Idaho. It makes fighting very difficult.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a letter in the mail from wakefield associates XXXX XXXX XXXX XXXX XXXX TN XXXX ) stating that I owed {$120.00} for a medical bill from XXXX XXXX XXXX. However I have never had any medical visits with XXXX XXXX XXXX. Several times I have called Wakefield associates and have requested all documentation of this bill and still to this day I have never seen any documentation signed by me stating that I owe XXXX XXXX  XXXX. I have disputed this several times and Wakefield will not show me documentation or remove this from my credit report. Therefore, I have no choice but to start filing complaints until something is done with this issue