davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I have disputed this Wells Fargo account for {$4700.00} for over 6 months now. From what I know if something is not right I have the right to dispute the information. I asked the credit bureaus to verify this account, but they keep sending some template response without enough information. The account have several reporting errors which is driving me insane. I am trying to pay off my debt so I can get a house in the next year but I do not understant how the credit bureaus allow creditors to report wrong stuff. 

This account is charged off supposedly since 2020 but is still showing past due amounts/active payments and I know that is not right. It is several inconsistencies and I need assistance with this.
Consumer complaint received 2022-11-26
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX  XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, never gave any bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX  XXXX The date of the last activity does not match which is a sign that the account has been re-aged. This is a violation. 
Please delete this from my consumer report.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (VA)

This complaint involves my XXXX XXXX credit card with Marcus by Goldman Sachs. ( XXXX  ) My credit score typically varies between XXXX and XXXX. That means that I take paying my bills on time very seriously. 

My bank is XXXX XXXX XXXX XXXX, and it contracts with XXXX to service its members online bill payments. 

All of my payments to XXXX, when {$470.00} or less, per my online bankings website, shows that theyve been made electronically. I confirmed this with XXXX, i.e., all but one payment have been made via electronic check. The one payment that was made via actual check was a payment in the amount of {$780.00}. Per XXXX, because this amount was over some unknown limit allowed by XXXX, they had to mail a physical check to XXXX. XXXX notates for customers on their online banking page with an icon next to the payment, showing whether payment was made via check ( paper, via mail ), or electronically. 

Its worth nothing that this limit amount only applies to XXXX. Another of my credit cards, a XXXX XXXX XXXX, has received payments from me as high as {$7700.00}, and they show that they were paid electronically. 

The {$780.00} payment to XXXX was due on XXXX XXXX, XXXX ( I actually only owed {$770.00}, but elected to slightly over-pay ), so when I set up the payment through my online banking with XXXX, I chose a payment date of XXXX XXXX in case it took longer than 2 days for XXXX to process the payment. However, because I didnt know XXXX was going to require a physical check ( since I dont know the mystery limit amount ), it took much longer than expected for the check to be processed. XXXX says they mailed the check out on XXXX XXXX. However, XXXX didnt actually credit my account for the {$780.00} until XXXX XXXX. This meant that the payment was late and I was charged a late fee and had to pay interest on the balance. They were kind enough to reverse the late fee when I called, but only after I asked to speak to a supervisor. However, the even bigger issue to me that a payment has now been made late can not be changed. 

Wanting to make sure this never happens again, I need to find out what dollar amount is the limit upon which XXXX requires the payment be made via check, and I have never been able to get an answer. I have asked to speak to supervisor after supervisor, and no one can answer this question. In fact, today ( XXXX XXXX ), after waiting a week for a callback, I spoke with supervisor XXXX, and I was told that XXXX accepts NO electronic payments and that ALL payments are made via actual checks through the mail. That was it for me. I informed XXXX that I was going to file this complaint with CFPB, and I hoped that he was comfortable with what he had told me, and he assured me that he was.
Consumer complaint received 2022-11-26
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)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

Received several phone calls and voice messages from " AmeriCollect '' for a debt I had no knowledge of. When I called on XX/XX/2022 and asked for more information about the debt, they said they would send me a letter with details in 7-10 business days. Never received a letter, kept receiving calls about the debt. When I called and asked again on XX/XX/2022 for more details, received the same answer about the letter and the mail and was then told I needed to pay either the full or partial payment. Each time no information was given about the debt, besides it was for an emergency room visit for a hospital I have no knowledge of for the cost of {$530.00}.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXXXXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I received a gift card with a balance of {$100.00} and I verified the balance as soon as I got it, once I tried to use it it was declined, when I check the balance online it said it was used online for the entire amount. I opened a dispute on XX/XX/22 and sent the dispute package on XX/XX/22, via fax and at least 10 more times via email, however after calling several times to inquiry about the status, they are stating they are still waiting for the documents and closed my case. I called several times and spoke with numerous os representatives overseas that hung up on me or said I have to wait 14 more days.

This people are stealing the money and they are not doing anything to recover the funds.

I spent over 2-3 hours on the phone every time I call for nothing. They stated I cant talk directly with the dispute department neither with a supervisor. 
Please, is there any way I can recover the funds? This company has the visa logo and they are not doing anything to stop fraudsters or to recover the funds for the real clients.
Consumer complaint received 2022-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

On XX/XX/2022 I called and spoke to an Edfinancial agent about requesting a refund of payments made during the pandemic. I have called repeatedly because I have yet to receive a refund. On my 4th call I was told that the refund was sent to the department of the treasury on XX/XX/XXXX. My loan amount has not changed. Nobody can give me any further information.
Consumer complaint received 2022-11-26
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2022-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lac Courte Oreilles Financial Services II (LA)

I opened a line of credit with Eloanwarehouse XX/XX/2022. Right after, I lost my job so I sent a revocation of XXXX letter. The company is NOT supposed to debit my account but today, XX/XX/2022 without warning, they took XXXX from my account which overdrafted my account. I would like all of my money plus banking fees returned Immediately.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am submitting another CFPB complaint to you today to request once more to remove the fraudulent accounts and information that are being reported on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Below is the list of accounts and information that you should have removed a long time ago. lease let me know if you require anything else. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, you have failed to send me copies of proof of verification from your alleged " investigation ''. If you truly verified these items by means of proper investigation, you should have sent me any supporting documents. Failure to deliver these document should have resulted in the deletion of the disputed items.
Consumer complaint received 2022-11-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard (NV)

I received a court summons on XX/XX/2022 for a lawsuit filed by XXXX XXXX XXXX. On XX/XX/XXXX, I called the attorney of record XXXX XXXX XXXX of Nelson & Kennard. During the conversation I asked how to I pay the amount to avoid court. XXXX advised me that if I paid {$2000.00} he would settle the debt. I agreed to the settlement over a recorded phone line. XXXX transferred me to the payment department, where again it was reiterated over a recorded line the {$2000.00} payment would settle the debt. I paid with a check by phone and the money was withdrawn on XX/XX/2022. On XX/XX/XXXX I received a letter from XXXX XXXX stating that they received my payment and now I owe them {$460.00} to close the file.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report this morning, only to be surprised by unauthorized inquiries that I don't recognize. Despite refreshing my browser in hopes it was a glitch, the unauthorized entries stayed. This is incredibly frustrating, and I am urgently requesting a detailed review of my documents so that I can move on from this concern permanently.
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit management company has repeatedly sent mailing notices about an alleged debt. I have received multiple mailings over the last few years. I recently started to keep them. The notices also, state they can not sue me but will continue to effect my credit until I pay them. 
Dates of their letters : XXXX XXXX XXXX XXXX XXXX I also have a letter from when they tried to sue me, but it was dismissed. 

I sent validation letters to the credit bureaus asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 
They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I do not have dates for these letters. I did not know I was suppose to keep track of this information. But I'm sure they have record of the disputes on file. 

The alleged debt amount is {$2300.00}.
Consumer complaint received 2022-12-20
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: PREFERRED CREDIT INC (NC)

FCRA Violation: credit card not mine
PREFERRED CREDIT XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX
FCRA Violation: addresses and name not mine
XX/XX/XXXX, TX
XX/XX/XXXXXX/XX/XXXX TX
XX/XX/XXXX

FCRA Violation: auto loan never lateXX/XX/XXXX
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 information incorrect
Company: Receivable Recovery Services, LLC (FL)

Company by the name XXXX XXXX XXXX XXXX Has reported to a creditor and gave my information to RECEIVABLE RECOVERY stating that I owe {$940.00} and now it is on my credit report as fraudulent. 

I do not owe any of the above companies money and my information was sold without my discretion. 

I asked that this be taken off my credit immediately I am seeking legal representation otherwise.
Consumer complaint received 2022-12-20
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: Aldous & Associates, PLLC (TX)

On XX/XX/2018 Creditor : XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a XXXX XXXX XXXX XXXX and I am no longer responsible for the account. Debt collection agent has threatened me to pay and without my knowledge of legal rights Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mine. The collector has not shown any proof of balance, nor have they shown any real evidence that that this account is indeed my account. According to the XXXX XXXX XXXXXXXX and the ALDOUS AND ASSOCIATES has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.