davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stone Higgs & Drexler (TN)

I have a mysterious old debt of {$14000.00} from XXXX yrs ago that, from what I am told ; is a from a bank overdraft at XXXX Tennessee TN as it is now XXXX  XXXX. I haven't heard or known about this " debt '' the last XXXX  years of my life. I have a decent credit score and have multiple credit cards and this has never " popped up '' in my credit report as I am now XXXX. 

This has just now " surfaced '' in my life and I haven't known about this. I am being forced against my will to pay this and I don't even know what the XXXX this is?? If I don't pay, this law firm XXXX, XXXX and XXXX will garnish my wages. 

I have been given wage garnishment options to repay this, but I still don't know what in the world I am paying?? This is like being mentally and financially XXXX! I set up a payment plan to keep them from garnishing my wages, but again I was informed online that if I do that I will make the old debt " alive '' and then they can seize my property, and AGAIN, I still don't know what in the world this is?? 

I need some kind of help! Is this legal for a XXXX party to purchase a XXXX XXXX XXXX debt and come after me and try to destroy my life?? I looked at the statute of limitations in TN and everything " falls off '' after 6 years. Does this company rule the world w/o anyone knowing? I " think '' the XXXX & XXXX XXXX is the original account holder and it was sold the the law firm? Again ... what in the XXXX is all of this from XXXX yrs ago? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Tennessee XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1300.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I made an uninformed decision on XX/XX/2014 when I entered this consumer credit transaction with XXXX XXXX for an {$15.00}, XXXX auto loan. 
Currently there is no evidence of indebtedness. The only evidence of debt was the agreement. That agreement is now null and void because I made an uninformed decision that was not clear and conspicuous. There was no adequate notice, I did not understand the agreement
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

In accordance of 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. 

Acct Name : XXXX XXXX Acct Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Has violated my rights 15 U.S.C 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

This is a formal written complaint about the matter related to my PNC Bank complaint reference # XXXX. 

In a PNC offer I received that had an expiration date of XX/XX/XXXX. I took the offer to mean that both the balance transfer amount and the amount of any purchases during the promotional APR period would be subject to the 0.00 % rate through XX/XX/XXXX. Then as the offer states, After XX/XX/XXXX, you will be charged the standard variable APR for purchases. 

I spoke with three members of the complaint escalation team, all helpful, but the conclusion being that PNC intended the offer to apply to the balance transfer only. I find the offer to be deliberately misleading and as such am filing a complaint on the CFPB site as well. I am further surprised that now the only way to prevent further finance charges to my credit card account is to pay off the entire balance and not just the purchase portion of it.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PA)

On XX/XX/2022, I submitted a complaint to XXXX directly and a third party company who unlawfully purchased this alleged outstanding debt from XXXX for the amount of {$100.00} account number XXXX. This account was removed in XXXX from all of my consumer reports. I recently noticed a change in my consumer report. 
The XXXX account number XXXX which was added furnished back to my consumer report is not only inaccurate but according to the FCRA XXXX unlawful and violates my right to privacy according to 15 USC 1681 a ( 4 ). According to 15 USC 1681 a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for consumers right to privacy which XXXX nor this third party has done! 
Not only is this account being furnished to my consumer reports illegally but this account does not follow XXXXcompliant reporting guidelines/standards when reporting any information that is furnished to a consumers consumer report. 
Please see the attached letter that was sent to the third party listed in addition to my consumer report which shows the violation according to the FCRA and XXXX compliance standards.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAINE & WEINER COMPANY, INC. (MS)

In Accordance with the fair credit reporting Act XXXX account # XXXX has violated my rights.

- 15 U.S.C 1681 section 602 A states I have right to privacy.

- 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (KY)

Citibank on or about XX/XX/2022 sent communication to my residence stating that they were closing my account without explanation as to why. I am out of the country so I did not find out until later. I immediately demand return of my substantial moneys in that account without delay. In addition to this complaint I will be seeking relief through state and or federal court once I figure out the proper venue. This is unacceptable They would not provide any explanation and I believe they are withholding the intro bonus to which I should be entitled. All k ever did was make some transfers between brokerage accounts such as robinhood and their in house citi self directed investing. They have numerous complaints on Internet forums and anecdotes claiming they do not return money promptly XXXX I do not want to become a casualty of this.
Consumer complaint received 2022-11-28
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: Alpine Credit, Inc (CO)

On XX/XX/22 I paid off my collection debt with Alpine Credit and I have court documents to prove it that debt has been paid off. We did a stipulation and they agreed to take that off my credit report and mail us a document on their behalf that my debt was paid off. I never got a letter stating that my debt was paid off from Alpine XXXX. I am requesting that Alpine Credit takes that off all 3 credit reports. They are quick to report bad things on all three credit reports, I am requesting that they take that off all 3 credit reports as we all agreed on the Stipulation. 

XXXX XXXX
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

The debt collector Fein, Such, Kahn & Shepard P.C. is collecting a debt from me for unpaid tuition. For almost a year they have not complied with my requests for an itemized statement of the debt. They have sued me to garnish my paychecks and I still dont have access to the amount I owe. They are charging late fees, interest, and other legal fees but have totally refused to tell me what the interest percentage is or show me a statement of the charges that have incurred since they acquired the debt. I have been compliant and make all of my payments on time and they continued to garnish my wages and charge late fees with no explanation and havent sent me a statement.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Caribou Financial, Inc. (NY)

On XX/XX/2022 I received final refinance loan documents. These were completed and returned by prepaid FedEx provided on XX/XX/XXXX, XXXX, along with witnessed XXXX XXXX for the transaction and my vehicle title. 

On XX/XX/2022 I was called by the company and they requested that I change my insurance policy name to match my abbreviated name on my NY drivers license. I told them that the NY XXXX has always abbreviated my name because they can't fit my full name on the license. I also told them that my full legal name is on every document associated with this transaction, my license and my insurance have been this way for decades, that their request was completely unreasonable, unnecessary and that we could forget this whole transaction if they pushed this matter. 

Today I contacted the company to find out the status loan and was told " I took a look at your application and I found that it was closed after we attempted to get an updated insurance card, and we unsuccessful. This was needed to move forward with the refinance, and since we were unable to obtain it, your application was closed as a result. '' This company kept asking for more and more and more every time I spoke/texted or dealt ( emails ) with them. I do not think their name change request was ethical, moral and perhaps not even legal. My complaint is about these shoddy business practices.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-11-28
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: LEXISNEXIS (AL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or XXXX [ XXXX XXXX, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 XXXX U.S.C. XXXX g ( XXXX ) Identity Theft and Assumption Deterrence Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian for whatever reason keeps placing old addresses on my credit that are no longer valid and haven't been for almost a decade. Not sure why I have to keep disputing this but it's becoming annoying to the point I'm ready to sue. I have enough evidence to do so.
Consumer complaint received 2022-11-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Accounts, Inc. (WA)

I was served a summons today to be sued from Automated Accounts, XXXX XXXX XXXX. I had a credit repair company I had been working with to help repair my debts owed and this company would not participate. I tried and I am now being sued with my XXXX in XXXX   and not being able to work, my health is poor and I am now becoming more stressed as I had tried to eliminate a debt the best I could. I live on XXXX  social security and XXXX I have a hardship case at this point in my life and the amount is {$8200.00} and {$210.00} interest. I need help to resolve this, I turned the car back to XXXX XXXX XXXX XXXX in XXXX. I couldn't work anymore and had to give the car back due to my health issue that have exacerbated through all this harassment, especially after not working with the credit repair people, XXXX XXXX XXXX who was working with my accounts owed and now suing me for attorney fees etc. please help me. This is the district court in XXXX  wa, sincerely
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (HI)

Hard inquire performed without my consent. 
Actions taken : Contacted credit XXXX would not remove inquire Filed dispute Froze credit account Reported fraud to credit agency Provided statement to credit agency Contacted company performed hard inquire citizen bank Reported to their research department File complaint No resolution hard inquire still listed.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

In XXXXXXXX XXXX XXXX, I applied for a new credit card. I didn't really need more credit but I wanted to take advantage of the loyalty points. My credit score was above XXXX. I was approved and a credit card was issued to me pretty quickly. Shortly after I applied, my credit score with Equifax suddenly went way down. When I inquired with them, they said it was due to " hard inquiries '' that would stay on my record for 2 years. XXXX already finished the credit inquiry on me back in XXXX and that's why they issued me a credit card. The inquiries are over and done with. But Equifax still will not remove them from my record. They blame XXXX. However, I don't believe them because this has not affected my credit score with XXXX. With XXXX my credit score is XXXX. With Equifax my credit score is XXXX and Equifax said that it will take 2 years for the " hard inquiries '' to be removed from my file. I find that very unacceptable. I used the Equifax online portal and I also spoke to someone over the phone who basically told me that there is nothing they will do to remove the hard inquiries. How is that legal? I have zero late payments and they are tarnishing my good credit record. ( I did not check XXXX because I had problems using their website. )
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Received letter dated XX/XX/XXXX for Best Buy Credit Services. The letter is in XXXX so I can't read it. I have not made a purchase with Best Buy since XXXX so I'm concerned about fraud. I called Best Buy and was passed around and no one could help me. 

I have had other identity theft issues since last XX/XX/XXXX. 
The reference number on the letter is XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

To my shock, I found inaccurate accounts on my credit report today, and Im clueless as to why this is happening. I routinely check my report, but this time, there were sudden discrepancies. I tried refreshing the page, thinking it might be a glitch, but the errors didn't go away. I need the documents Ive provided to be reviewed carefully so I can finally stop stressing over this.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

Experian is still after several complaints reporting an old address of : XXXX XXXX XXXX XXXX, XXXX  XXXX. Account name : XXXX XXXX XXXX ( Please See Attached Complaints ) Current Address. XXXX XXXX XXXX XXXX, XXXX  XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information